TellerScore

Greater Iowa Credit Union is a federally insured state-chartered credit union headquartered in Ames, Iowa, in business for about 94 years. At the end of Q2 2026 it reported $715.1M in total assets and $617.0M in member shares and deposits, with 9 offices.

Greater Iowa Credit Union has a TellerScore of 59 out of 100 (moderate) based on Q2 2026 data — higher than only 19% of its 1,341 credit unions with $100 million – $1 billion. Among 66 credit unions headquartered in Iowa, it ranks 52nd. Problem-loan coverage contributes the most (82/100, 9.1%); capital cushion contributes the least (47/100, 9.69%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Net worth ratio: 9.69%
Loan quality68/100
Loans 60+ days delinquent ÷ total loans: 0.96%
Earnings51/100
Return on assets (annualized): 0.76%
Funding & liquidity60/100
Loans ÷ shares: 100.7% · 8.1% uninsured
Problem-loan coverage82/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 9.07%

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 5 points (64 → 59), mostly because the loan quality component weakened by 18 points.

TellerScore
576164Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202458
Q3 202459
Q4 202460
Q1 202562
Q2 202564
Q3 202558
Q4 202557
Q1 202657
Q2 202659
Net worth ratio
7.00%8.34%9.69%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.10%
Q3 20249.33%
Q4 20249.30%
Q1 20259.34%
Q2 20259.47%
Q3 20259.52%
Q4 20259.51%
Q1 20269.54%
Q2 20269.69%
Delinquent loans (60+ days)
0.37%0.74%1.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.58%
Q3 20240.63%
Q4 20240.55%
Q1 20250.37%
Q2 20250.43%
Q3 20250.97%
Q4 20251.11%
Q1 20260.88%
Q2 20260.96%
Return on assets
0.34%0.55%0.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.34%
Q3 20240.46%
Q4 20240.48%
Q1 20250.38%
Q2 20250.71%
Q3 20250.71%
Q4 20250.68%
Q1 20260.47%
Q2 20260.76%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202659$715.1M9.69%0.96%0.76%100.7%
Q1 202657$701.5M9.54%0.88%0.47%95.2%
Q4 202557$691.5M9.51%1.11%0.68%93.9%
Q3 202558$675.4M9.52%0.97%0.71%95.4%
Q2 202564$677.6M9.47%0.43%0.71%92.9%
Q1 202562$675.0M9.34%0.37%0.38%89.5%
Q4 202460$653.7M9.30%0.55%0.48%92.0%
Q3 202459$638.7M9.33%0.63%0.46%94.5%
Q2 202458$640.5M9.10%0.58%0.34%92.5%

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 ratio9.69%
23rd
Problem loans0.96%
31st
Net charge-offs0.56%
30th
Return on assets0.76%
52nd
Loans to deposits100.7%
3rd
Uninsured deposits8.1%
29th
Loan-loss reserves0.00%
50th
Texas ratio9.1%
16th

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
Ascentra Credit UnionCredit union Bettendorf, IA63 out of 100, Moderate$596.0M10.2%0.76%vs
Community Choice Credit UnionCredit union Johnston, IA79 out of 100, Strong$922.9M12.7%0.57%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 Greater Iowa Credit Union?

Yes. Greater Iowa Credit Union is a federally insured credit union (NCUA charter #64203). 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 8.1% of shares and deposits ($49.8M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.69%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

9 locations

Branches

Greater Iowa Credit Union lists 9 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Greater Iowa Credit Union reported 822 home-loan applications under HMDA (LEI 549300BB8TE7SXIUJI50): 555 originated ($74,845,000 total), 155 denied, and 96 withdrawn or closed by the applicant. Its denial rate on decided applications was 21.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Greater Iowa Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
64203
RSSD ID
286895
Primary regulator
State + NCUA
Established
1932
Headquarters
1509 Baltimore Dr, Ames, IA 50010
Employees
144

Quick answers

Greater Iowa Credit Union: common questions

Is Greater Iowa Credit Union NCUA insured?

Yes. Greater Iowa Credit Union is a federally insured credit union (NCUA charter #64203). 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 Greater Iowa Credit Union's TellerScore?

59 out of 100 (Moderate), 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 Greater Iowa Credit Union have?

9 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Ames

InstitutionScoreAssetsCapitalProblem loansCompare
Security Savings BankBank Gowrie, IA89 out of 100, Very strong$193.7M13.2%0.04%vs
First State BankBank Webster City, IA81 out of 100, Strong$674.3M12.4%0.12%vs
Community Choice Credit UnionCredit union Johnston, IA79 out of 100, Strong$922.9M12.7%0.57%vs
GNB BankBank Grundy Center, IA76 out of 100, Strong$621.3M12.2%0.62%vs
Community State BankBank Ankeny, IA76 out of 100, Strong$1.7B11.7%0.19%vs
United Bank of IowaBank Ida Grove, IA73 out of 100, Strong$2.5B10.3%0.26%vs