Boise, ID · Charter 17127
NCUA · 7 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.25% | -0.32% | -0.07% | -1.19% | -0.85% | -60 bps | |
| Return on Equity | -1.46% | -1.95% | -0.44% | -7.34% | -5.29% | -382 bps | |
| Net Interest Margin | 3.22% | 3.23% | 3.22% | 3.09% | 3.17% | -5 bps | |
| Efficiency Ratio | 102.94% | 103.61% | 96.93% | 115.39% | 111.14% | +820 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.98% | -0.78% | -0.86% | -0.41% | 2.08% | +606 bps | |
| Loan Growth (YoY) | -3.58% | -3.06% | -1.55% | 0.42% | 0.94% | +452 bps | |
| Share Growth (YoY) | -4.68% | -0.61% | -1.10% | -0.21% | 2.97% | +765 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.76% | 0.73% | 0.48% | 0.56% | 0.81% | +6 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.78% | 16.65% | 16.65% | 16.20% | 16.03% | -75 bps | |
| Net Worth / Assets | 16.78% | 16.65% | 16.65% | 16.20% | 16.03% | -75 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.49% | 58.75% | 57.70% | 56.11% | 57.34% | -115 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |