TellerScore

Aegis Credit Union (NCUA charter #65521) is based in Clinton, Iowa. Its Q2 2026 call report shows $27.3M in total assets and $22.5M in member shares and deposits and 2 offices.

Aegis Credit Union has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 57% of its 2,479 credit unions with under $100 million in assets. Among 66 credit unions headquartered in Iowa, it ranks 32nd. Capital cushion contributes the most (100/100, 17.61%); loan quality contributes the least (39/100, 1.83%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.61%
Loan quality39/100
Loans 60+ days delinquent ÷ total loans: 1.83%
Earnings91/100
Return on assets (annualized): 1.78%
Funding & liquidity68/100
Loans ÷ shares: 92.2% · 2.5% uninsured
Problem-loan coverage84/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.03%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 2 points (79 → 77), mostly because the funding & liquidity component weakened by 12 points.

TellerScore
758390Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202490
Q3 202486
Q4 202483
Q1 202583
Q2 202579
Q3 202586
Q4 202580
Q1 202675
Q2 202677
Net worth ratio
7.00%12.30%17.61%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.77%
Q3 202415.39%
Q4 202415.58%
Q1 202515.82%
Q2 202516.18%
Q3 202516.45%
Q4 202517.04%
Q1 202617.37%
Q2 202617.61%
Delinquent loans (60+ days)
0.60%1.35%2.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.60%
Q3 20241.18%
Q4 20241.57%
Q1 20251.62%
Q2 20251.80%
Q3 20251.13%
Q4 20251.86%
Q1 20262.10%
Q2 20261.83%
Return on assets
1.78%1.98%2.18%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.95%
Q3 20242.14%
Q4 20241.94%
Q1 20252.04%
Q2 20251.86%
Q3 20252.17%
Q4 20252.18%
Q1 20261.78%
Q2 20261.78%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$27.3M17.61%1.83%1.78%92.2%
Q1 202675$27.2M17.37%2.10%1.78%83.8%
Q4 202580$26.2M17.04%1.86%2.18%81.1%
Q3 202586$26.4M16.45%1.13%2.17%81.3%
Q2 202579$26.0M16.18%1.80%1.86%79.8%
Q1 202583$26.5M15.82%1.62%2.04%76.9%
Q4 202483$26.1M15.58%1.57%1.94%77.9%
Q3 202486$24.4M15.39%1.18%2.14%82.9%
Q2 202490$24.4M14.77%0.60%1.95%84.1%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio17.61%
68th
Problem loans1.83%
24th
Net charge-offs-0.02%
88th
Return on assets1.78%
91st
Loans to deposits92.2%
7th
Uninsured deposits2.5%
41st
Loan-loss reserves0.00%
37th
Texas ratio8.0%
18th

Similar-size credit unions in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Family Community Credit UnionCredit union Charles City, IA82 out of 100, Strong$26.3M12.1%0.08%vs
Casebine Community Credit UnionCredit union Burlington, IA95 out of 100, Very strong$29.1M22.5%0.08%vs
Iowa Heartland Credit UnionCredit union Mason City, IA77 out of 100, Strong$30.3M17.0%0.42%vs
River Community Credit UnionCredit union Ottumwa, IA92 out of 100, Very strong$30.4M15.8%0.06%vs
Unite Credit UnionCredit union Cedar Falls, IA45 out of 100, Below average$23.6M11.8%3.42%vs
Meridian Credit UnionCredit union Ottumwa, IA91 out of 100, Very strong$34.4M16.7%0.14%vs

Deposit insurance

Is my money safe at Aegis Credit Union?

Yes. Aegis Credit Union is a federally insured credit union (NCUA charter #65521). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 2.5% of shares and deposits ($552K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 17.61%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Aegis Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Aegis Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
65521
RSSD ID
789396
Primary regulator
State + NCUA
Established
1979
Headquarters
1200 N 2nd St, Clinton, IA 52732
Employees
7

Quick answers

Aegis Credit Union: common questions

Is Aegis Credit Union NCUA insured?

Yes. Aegis Credit Union is a federally insured credit union (NCUA charter #65521). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Aegis Credit Union's TellerScore?

77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Aegis Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Clinton

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers National BankBank Prophetstown, IL88 out of 100, Very strong$895.7M15.0%0.23%vs
Maquoketa State BankBank Maquoketa, IA86 out of 100, Very strong$429.0M16.4%0.52%vs
First Central State BankBank Dewitt, IA83 out of 100, Strong$772.4M13.4%0.21%vs
1st Gateway Credit UnionCredit union Camanche, IA80 out of 100, Strong$170.9M14.1%0.35%vs
The Clinton National BankBank Clinton, IA79 out of 100, Strong$396.4M13.4%0.53%vs
Blackhawk Area Credit UnionCredit union Savanna, IL79 out of 100, Strong$39.1M13.4%0.13%vs