TellerScore

Polk County Credit Union is a federally insured state-chartered credit union headquartered in Des Moines, Iowa, in business for about 71 years. At the end of Q2 2026 it reported $5.5M in total assets and $4.2M in member shares and deposits.

Polk County Credit Union has a TellerScore of 94 out of 100 (very strong) based on Q2 2026 data — higher than 95% of its 2,479 credit unions with under $100 million in assets. Among 66 credit unions headquartered in Iowa, it ranks 4th. Capital cushion contributes the most (100/100, 23.65%); funding & liquidity contributes the least (62/100, 98% loans-to-deposits, 0% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 23.65%
Loan quality99/100
Loans 60+ days delinquent ÷ total loans: 0.04%
Earnings100/100
Return on assets (annualized): 2.69%
Funding & liquidity62/100
Loans ÷ shares: 98.2% · 0.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.13%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (93 → 94).

TellerScore
748494Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202494
Q3 202490
Q4 202486
Q1 202585
Q2 202593
Q3 202593
Q4 202574
Q1 202694
Q2 202694
Net worth ratio
7.00%15.32%23.65%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202422.23%
Q3 202422.65%
Q4 202422.05%
Q1 202522.67%
Q2 202523.08%
Q3 202522.78%
Q4 202522.33%
Q1 202623.26%
Q2 202623.65%
Delinquent loans (60+ days)
0.00%0.57%1.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.14%
Q3 20240.63%
Q4 20240.13%
Q1 20251.15%
Q2 20250.15%
Q3 20250.00%
Q4 20251.02%
Q1 20260.00%
Q2 20260.04%
Return on assets
0.54%2.07%3.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.12%
Q3 20242.03%
Q4 20240.92%
Q1 20252.88%
Q2 20251.93%
Q3 20251.75%
Q4 20250.54%
Q1 20263.60%
Q2 20262.69%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202694$5.5M23.65%0.04%2.69%98.2%
Q1 202694$5.5M23.26%0.00%3.60%97.0%
Q4 202574$5.5M22.33%1.02%0.54%94.3%
Q3 202593$5.6M22.78%0.00%1.75%96.1%
Q2 202593$5.4M23.08%0.15%1.93%96.4%
Q1 202585$5.5M22.67%1.15%2.88%91.8%
Q4 202486$5.4M22.05%0.13%0.92%90.2%
Q3 202490$5.4M22.65%0.63%2.03%89.8%
Q2 202494$5.4M22.23%0.14%2.12%89.9%

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 ratio23.65%
86th
Problem loans0.04%
84th
Net charge-offs0.27%
41st
Return on assets2.69%
98th
Loans to deposits98.2%
4th
Uninsured deposits0.0%
81st
Loan-loss reserves1.87%
89th
Texas ratio0.1%
83rd

Similar-size credit unions in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Allen Hospital Personnel Credit UnionCredit union Waterloo, IA77 out of 100, Strong$6.0M18.5%1.18%vs
Burlington Municipal Employees Credit UnionCredit union Burlington, IA80 out of 100, Strong$4.7M15.6%0.87%vs
Gas & Electric Employees Credit UnionCredit union Mason City, IA69 out of 100, Moderate$4.5M48.1%4.11%vs
Dubuque Postal Employees Credit UnionCredit union Dubuque, IA92 out of 100, Very strong$4.3M15.3%0.00%vs
Du Pont Employees Credit UnionCredit union Fort Madison, IA84 out of 100, Strong$6.8M11.8%0.00%vs
Ace Credit UnionCredit union Mason City, IA89 out of 100, Very strong$7.5M20.9%0.12%vs

Deposit insurance

Is my money safe at Polk County Credit Union?

Yes. Polk County Credit Union is a federally insured credit union (NCUA charter #65039). 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 0.0% of shares and deposits ($0) 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 23.65%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Polk County Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
65039
RSSD ID
394398
Primary regulator
State + NCUA
Established
1955
Headquarters
111 Court Ave Ste 110, Administrati, Des Moines, IA 50309
Employees
2

Quick answers

Polk County Credit Union: common questions

Is Polk County Credit Union NCUA insured?

Yes. Polk County Credit Union is a federally insured credit union (NCUA charter #65039). 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 Polk County Credit Union's TellerScore?

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