TellerScore

Community Choice Credit Union (NCUA charter #65078) is based in Johnston, Iowa. Its Q2 2026 call report shows $922.9M in total assets and $783.5M in member shares and deposits and 7 offices.

Based on its Q2 2026 filing, Community Choice Credit Union scores 79/100, which we describe as strong. That is higher than 76% of 1,341 credit unions with $100 million – $1 billion. Among 66 credit unions headquartered in Iowa, it ranks 23rd. Its strongest component is problem-loan coverage (93/100; 3.7%), and its lowest is funding & liquidity (65/100; 95% loans-to-deposits, 5% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion77/100
Net worth ratio: 12.74%
Loan quality81/100
Loans 60+ days delinquent ÷ total loans: 0.57%
Earnings81/100
Return on assets (annualized): 1.53%
Funding & liquidity65/100
Loans ÷ shares: 94.9% · 4.7% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.70%

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 rose 6 points (73 → 79), mostly because the earnings component improved by 25 points.

TellerScore
707579Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202473
Q4 202470
Q1 202572
Q2 202573
Q3 202575
Q4 202572
Q1 202678
Q2 202679
Net worth ratio
7.00%9.87%12.74%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.90%
Q3 202412.30%
Q4 202412.11%
Q1 202512.28%
Q2 202512.26%
Q3 202512.63%
Q4 202512.24%
Q1 202612.39%
Q2 202612.74%
Delinquent loans (60+ days)
0.47%0.52%0.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.49%
Q3 20240.47%
Q4 20240.57%
Q1 20250.49%
Q2 20250.56%
Q3 20250.48%
Q4 20250.58%
Q1 20260.47%
Q2 20260.57%
Return on assets
0.80%1.17%1.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.88%
Q3 20240.93%
Q4 20240.80%
Q1 20250.83%
Q2 20250.90%
Q3 20250.99%
Q4 20250.87%
Q1 20261.43%
Q2 20261.53%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$922.9M12.74%0.57%1.53%94.9%
Q1 202678$918.6M12.39%0.47%1.43%96.1%
Q4 202572$902.7M12.24%0.58%0.87%95.9%
Q3 202575$865.3M12.63%0.48%0.99%98.6%
Q2 202573$870.1M12.26%0.56%0.90%93.6%
Q1 202572$812.4M12.28%0.49%0.83%96.8%
Q4 202470$809.9M12.11%0.57%0.80%98.6%
Q3 202473$790.8M12.30%0.47%0.93%98.8%
Q2 202471$800.5M11.90%0.49%0.88%96.9%

1,341 peers · $100 million – $1 billion

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 ratio12.74%
67th
Problem loans0.57%
59th
Net charge-offs0.31%
56th
Return on assets1.53%
89th
Loans to deposits94.9%
8th
Uninsured deposits4.7%
63rd
Loan-loss reserves0.00%
50th
Texas ratio3.7%
54th

Similar-size credit unions in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Corda Credit UnionCredit union Cedar Rapids, IA58 out of 100, Moderate$776.3M9.5%0.66%vs
Greater Iowa Credit UnionCredit union Ames, IA59 out of 100, Moderate$715.1M9.7%0.96%vs
Ascentra Credit UnionCredit union Bettendorf, IA63 out of 100, Moderate$596.0M10.2%0.76%vs
Premier Credit UnionCredit union Des Moines, IA51 out of 100, Below average$382.9M8.6%1.09%vs
Members1st Community Credit UnionCredit union Marshalltown, IA59 out of 100, Moderate$311.1M9.5%0.88%vs
Citizens Community Credit UnionCredit union Fort Dodge, IA88 out of 100, Very strong$253.6M19.1%0.73%vs

Deposit insurance

Is my money safe at Community Choice Credit Union?

Yes. Community Choice Credit Union is a federally insured credit union (NCUA charter #65078). 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 4.7% of shares and deposits ($37.0M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.74%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

7 locations

Branches

Community Choice Credit Union lists 7 offices in 7 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Community Choice Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
65078
RSSD ID
288590
Primary regulator
State + NCUA
Established
1953
Headquarters
6163 Nw 86th St, Johnston, IA 50131
Employees
177

Quick answers

Community Choice Credit Union: common questions

Is Community Choice Credit Union NCUA insured?

Yes. Community Choice Credit Union is a federally insured credit union (NCUA charter #65078). 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 Community Choice Credit Union's TellerScore?

79 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 Community Choice Credit Union have?

7 offices as of the latest NCUA data.