State overview · Q4 2025

Iowa Credit Unions

All 66 federally-insured credit unions in Iowa, ranked by financial health, from NCUA 5300 Call Reports.

66
Credit unions
1.6M
Members
$34.7B
Combined assets
83/100
Avg health
66 CUs · avg health 83/100

Iowa has 66 federally insured credit unions averaging 83/100 health on NCUA 5300 Call Report aggregates. Combined assets $34.7B; 47 score Excellent (80+). State leader: Du Pont Employees at 99/100.

  • Mean delinquency rank #36 of 52 (lower DQ better)
  • Mean ROA rank #7 of 52
  • Data vintage 2026-09-06

Iowa vs all states by credit-union count

Where this state's federally insured CU count sits among every state and D.C. on PlainCU

66 22nd of 54 higher than 31 of 54 states

States and D.C., banded by federally insured credit-union count

Each bar is a band; taller bars hold more states. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.

Source NCUA 5300 Call Report aggregates · Q4 2025

Health-score distribution

How Iowa's 66 credit unions split across the four health bands. Source: NCUA 5300 Call Report, Q4 2025.

Excellent (80–100)47 CUsGood (60–79)14 CUsFair (40–59)5 CUsWeak (<40)0 CUs

Iowa Call Report quality, high mean ROA cohort

Mean NCUA 5300 ratios across 66 federally insured credit unions in Iowa, plus national ordinals among 52 jurisdictions with ≥5 scored charters. Registry figures only, not advice on where to bank.

Mean delinquency
1.43%
National rank #36 of 52 · lower DQ better
Mean ROA
0.81%
National rank #7 of 52
Mean loan-to-share
76.3%
Mean net worth 15.1% · well-capitalized (≥7%) 98.5%
Largest CU share of state assets
32.1%
Tilted book, largest charter holds 25–50% of combined Iowa CU assets · concentration rank #38 of 52 (lower share = more dispersed) · largest by assets on this board: GREENSTATE

A national sample of U.S. jurisdictions' credit-union sectors, positioned by mean net worth ratio (capital cushion) against mean delinquency rate (asset quality). Iowa is highlighted. The crosshair splits states at the MEDIAN net worth ratio (14.0%) and the median delinquency rate (1.20%) computed across all 52 scored jurisdictions, not just the 30 plotted here, and not a simple midpoint of the range.

Iowa vs. a national sample of states' credit-union sectors

Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, Iowa highlighted. 2×2 strategic matrix plotting 30 entities by Net worth ratio (X) and Delinquency rate (Y), with a crosshair dividing the plot into four quadrants. Capitalized but RiskyWeakest PositionStrongest PositionLean but Clean 10%12%14%16%18% 0%0.5%1%1.5%2%2.5% Net worth ratio Delinquency rate Iowa vs. a national sample of states' credit-union sectors AL - 16.25%, 1.743%AK - 11.69%, 0.876%AR - 16.34%, 1.809%CO - 11.98%, 1.045%DE - 15.7%, 1.799%DC - 14.99%, 2.364%GA - 15.97%, 1.181%ID - 11.55%, 0.89%IN - 14.73%, 1.306%KS - 14.31%, 1.456%LA - 17.25%, 1.888%MD - 13.25%, 1.269%MI - 12.62%, 0.909%MN - 13.98%, 0.886%MO - 11.87%, 1.299%NE - 13.77%, 1.06%NH - 11.15%, 0.746%NJ - 16.56%, 1.74%NY - 14.23%, 1.635%ND - 15.1%, 0.95%OK - 13.44%, 1.238%OR - 13.17%, 1.122%RI - 12.53%, 0.533%SD - 12.58%, 0.791%TX - 15.62%, 1.279%VI - 15.23%, 1.532%VT - 11.83%, 1.399%WA - 12.92%, 0.882%WI - 13.48%, 1.468%IA - 15.09%, 1.429%
Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, Iowa highlighted.

All Credit Unions in Iowa

Credit Union Health
Du Pont Employees Fort Madison 99
Dupaco Community Dubuque 97
Community Choice JOHNSTON 96
METCO Cedar Rapids 96
Telco Triad Community Sioux City 96
CENT Mason City 95
River Community Ottumwa 95
Lee County KEOKUK 94
Members Community Muscatine 94
1st Gateway Camanche 93
River Valley AMES 93
Citizens Community Fort Dodge 92
Des Moines Fire Department DES MOINES 92
Iowa Heartland MASON CITY 92
North Western Employees COUNCIL BLUFFS 92
ASCENTRA Bettendorf 90
Capitol View Des Moines 90
Cedar Falls Community Cedar Falls 90
Members1st Community Marshalltown 90
Waterloo Firemen's Waterloo 90
5 Star Community MOUNT PLEASANT 89
AIM Dubuque 89
Financial Plus West Des Moines 89
VERIDIAN Waterloo 89
Gas & Electric Employees mason city 88
Des Moines Metro Des Moines 87
Dubuque Postal Employees DUBUQUE 87
Dutrac Community DUBUQUE 87
Industrial Employees Centerville 87
MIDLAND URBANDALE 87
Greater Iowa Ames 86
North Iowa Community MASON CITY 86
North Star Community Cherokee 86
SERVE DES MOINES 86
St. Ludmila S Cedar Rapids 86
AEGIS Clinton 85
CORDA Cedar Rapids 85
Family Community Charles City 85
MERIDIAN Ottumwa 85
Power Co-Op Employees Humboldt 85
Quaker Oats CEDAR RAPIDS 85
AFFINITY Des Moines 83
Casebine Community Burlington 83
JOURNEY Des Moines 83
ACE Mason City 82
Burlington Municipal Employees Burlington 82
Polk County DES MOINES 81
Allen Hospital Personnel Waterloo 79
First Class Community WEST DES MOINES 79
Lennox Employees Marshalltown 79
Sioux Valley Community SIOUX CITY 78
The Family Davenport 76
EMPLOYEES Estherville 75
S E C U KEOKUK 74
Fort Dodge Family Fort Dodge 71
PREMIER Des Moines 71
Community 1st Ottumwa 69
Holy Ghost Parish DUBUQUE 68
UNITE Cedar Falls 67
GREENSTATE North Liberty 63
Collins Community Cedar Rapids 60
ADVANTAGE Newton 55
FIRST Hiawatha 54
St. Athanasius JESUP 54
PEOPLES Webster City 48
Teamsters Local #238 Cedar Rapids 48

Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.

What This Data Says About Credit Unions in Iowa

Iowa is home to 66 federally-insured credit unions collectively serving 1.6M members with $34.7B in combined assets, based on the most recent NCUA 5300 Call Report (Q4 2025). The state's average health score of 83/100 reflects the blended performance of every charter operating within its borders, state-chartered, federally-chartered, community, employer-based, and multi-SEG credit unions alike. Du Pont Employees of Fort Madison currently leads the cohort with a health score of 99/100, while the full distribution spans 66 institutions ranked below.

The health distribution breaks into four bands: 47 credit unions score 80–100 (Excellent), 14 score 60–79 (Good), 5 score 40–59 (Fair), and 0 fall below 40 (Weak). These scores are a weighted composite of five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), year-over-year member growth (15%), and loan-to-share ratio (15%). A score in the Excellent band typically indicates a net worth ratio comfortably above the 7.0% NCUA "well capitalized" floor, sub-1% delinquency, positive ROA, and a loan-to-share ratio inside the 60–80% balanced-liquidity window. Fair and Weak institutions are not necessarily in distress, NCUA supervises all federally-insured credit unions through CAMEL ratings and Prompt Corrective Action triggers, but the composite signals where financial buffers are thinner than peers.

Every credit union on this page carries NCUSIF deposit insurance up to $250,000 per depositor per ownership category, administered by the National Credit Union Administration, identical coverage to FDIC insurance at banks. Membership eligibility varies by charter: community charters serve anyone living, working, worshiping, or attending school in a defined geography, while employer-based and associational charters require a specific common bond. Rates, fees, and product offerings also vary widely across Iowa's 66 institutions, so prospective members should verify current terms directly with each credit union before opening accounts or applying for loans. This page is informational only, reflects quarterly reported NCUA data (not real-time financials), and is not financial advice or a solicitation to join any specific institution.

Nationwide states with similar credit-union assets or inventory

Two NCUA Call Report peer sets for Iowa: nearest jurisdictions by combined federally-insured credit-union assets and by credit-union count. These are cross-state neighborhoods, not the in-state CU list above.

Similar combined assets

Nearest states by total credit-union assets ($34.7B here).

Arizona $34.5B Georgia $37.1B Oregon $38.5B Maryland $39.3B

Similar credit-union inventory

Nearest states by federally-insured credit-union count (66 here).

Colorado 66 CUs Connecticut 64 CUs Kansas 61 CUs West Virginia 74 CUs

Frequently Asked Questions

How many credit unions are in Iowa?

There are 66 federally-insured credit unions in Iowa as of Q4 2025, with a combined 1.6M members and $34.7B in total assets. That places Iowa at #23 of 54 among U.S. jurisdictions by combined credit-union assets. On average health score, Iowa ranks #22 of 54. All data is sourced from the NCUA 5300 Call Report.

What is the healthiest credit union in Iowa?

Based on NCUA Q4 2025 data, Du Pont Employees in Fort Madison ranks highest in Iowa with a health score of 99/100. Health scores combine net worth ratio, delinquency rate, return on assets, member growth, and loan-to-share ratio.

Are credit unions safer than banks?

Credit unions are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per account, the same insurance limit as FDIC-insured banks. Credit unions are member-owned nonprofits, which means profits are returned to members as lower fees and better rates rather than to shareholders. Both institution types offer equivalent deposit protection.

Using Iowa's data

  • Du Pont Employees in Fort Madison is the healthiest scored credit union in Iowa at 99/100 -- look up its full composite before assuming it fits your situation. View full profile
  • Iowa's credit unions rank #36 of 52 nationally on delinquency rate (among the highest) and #7 of 52 on return on assets (among the strongest) -- both factor into the health score above, but they can move independently. National health rankings
  • Iowa ranks #22 of 54 by average health score and #23 of 54 by combined credit-union assets among U.S. states -- see how other states compare before assuming this one is typical. State overviews

Figures are composite scores and averages built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.

Read our methodology - how this data is sourced, computed, and verified.