TellerScore

Quaker Oats Credit Union is a federally insured state-chartered credit union headquartered in Cedar Rapids, Iowa, in business for about 74 years. At the end of Q2 2026 it reported $13.3M in total assets and $11.0M in member shares and deposits.

Quaker Oats Credit Union has a TellerScore of 95 out of 100 (very strong) based on Q2 2026 data — higher than 96% of its 2,479 credit unions with under $100 million in assets. Among 66 credit unions headquartered in Iowa, it ranks 2nd. Capital cushion contributes the most (100/100, 16.88%); earnings contributes the least (73/100, 1.32%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.88%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings73/100
Return on assets (annualized): 1.32%
Funding & liquidity100/100
Loans ÷ shares: 49.7% · 0.1% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

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 (95 → 95).

TellerScore
929597Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202495
Q3 202495
Q4 202492
Q1 202596
Q2 202595
Q3 202597
Q4 202596
Q1 202695
Q2 202695
Net worth ratio
7.00%12.04%17.08%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.29%
Q3 202415.97%
Q4 202416.22%
Q1 202515.87%
Q2 202516.49%
Q3 202517.08%
Q4 202516.68%
Q1 202616.47%
Q2 202616.88%
Delinquent loans (60+ days)
0.00%0.17%0.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.19%
Q4 20240.35%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
1.32%1.45%1.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.43%
Q3 20241.51%
Q4 20241.43%
Q1 20251.46%
Q2 20251.42%
Q3 20251.57%
Q4 20251.46%
Q1 20261.41%
Q2 20261.32%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202695$13.3M16.88%0.00%1.32%49.7%
Q1 202695$13.4M16.47%0.00%1.41%49.2%
Q4 202596$12.9M16.68%0.00%1.46%54.3%
Q3 202597$12.5M17.08%0.00%1.57%57.3%
Q2 202595$12.6M16.49%0.00%1.42%55.3%
Q1 202596$12.8M15.87%0.00%1.46%52.1%
Q4 202492$12.2M16.22%0.35%1.43%57.3%
Q3 202495$12.3M15.97%0.19%1.51%59.2%
Q2 202495$12.6M15.29%0.00%1.43%57.0%

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 ratio16.88%
65th
Problem loans0.00%
94th
Net charge-offs-0.00%
86th
Return on assets1.32%
80th
Loans to deposits49.7%
65th
Uninsured deposits0.1%
61st
Loan-loss reserves0.00%
37th
Texas ratio0.0%
93rd

Similar-size credit unions in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
North Western Employees Credit UnionCredit union Council Bluffs, IA94 out of 100, Very strong$10.4M21.4%0.00%vs
Industrial Employees Credit UnionCredit union Centerville, IA91 out of 100, Very strong$9.2M22.2%0.05%vs
Teamsters Local #238 Credit UnionCredit union Cedar Rapids, IA24 out of 100, Low$7.6M5.9%3.04%vs
Ace Credit UnionCredit union Mason City, IA89 out of 100, Very strong$7.5M20.9%0.12%vs
Du Pont Employees Credit UnionCredit union Fort Madison, IA84 out of 100, Strong$6.8M11.8%0.00%vs
Allen Hospital Personnel Credit UnionCredit union Waterloo, IA77 out of 100, Strong$6.0M18.5%1.18%vs

Deposit insurance

Is my money safe at Quaker Oats Credit Union?

Yes. Quaker Oats Credit Union is a federally insured credit union (NCUA charter #64991). 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 0.1% of shares and deposits ($16K) 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 16.88%, 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
Quaker Oats Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
64991
RSSD ID
265591
Primary regulator
State + NCUA
Established
1952
Headquarters
3535 Center Point Rd Ne, Cedar Rapids, IA 52402
Employees
4

Quick answers

Quaker Oats Credit Union: common questions

Is Quaker Oats Credit Union NCUA insured?

Yes. Quaker Oats Credit Union is a federally insured credit union (NCUA charter #64991). 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 Quaker Oats Credit Union's TellerScore?

95 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.