Cedar Rapids, Iowa · Peer group 1
St. Ludmila S Credit Union
St. Ludmila S Credit Union holds $375K in assets across 98 members as of Q1 2026 — about $4K of assets per member, on a charter dating to 1962. Charter number 65062, in the <$10M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $375K |
|---|---|
| Total loans | $220K |
| Total shares (deposits) | $264K |
| Net worth | $110K |
| Members | 98 |
| Assets per member | $4K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 11.2% | |
|---|---|---|
| Loans | -15.6% | around the 28th percentile of its peer group |
| Deposits | 16.8% | higher than 95% of its peer group |
| Members | -3.0% | around the 41st percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 83.3% | around the 83rd percentile of its peer group |
|---|---|---|
| Net worth ratio | 29.4% | around the 78th percentile of its peer group |
| Return on assets | 1.69% | around the 83rd percentile of its peer group |
| Delinquency ratio | 0.00% | around the 20th percentile of its peer group |
| Cash / assets | 13.7% | around the 18th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is St. Ludmila S Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Iowa — the comparison set a peer ratio is measured against.
- St. Athanasius Credit Union
JESUP, IA
$499K · 226 members
- S E C U Credit Union
KEOKUK, IA
$1.7M · 726 members
- Waterloo Firemen's Credit Union
Waterloo, IA
$2.8M · 322 members
- Lee County Credit Union
KEOKUK, IA
$3.3M · 529 members
- Des Moines Fire Department Credit Union
DES MOINES, IA
$3.4M · 940 members
- Dubuque Postal Employees Credit Union
DUBUQUE, IA
$4.4M · 297 members
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