Pocatello, ID · Charter 490
NCUA · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
34
Asset Quality
75
Profitability
66
Liquidity
56
Efficiency
41
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Pocatello, ID · Charter 490
NCUA · 2 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 | 1.19% | 1.20% | 1.18% | 0.69% | 0.93% | -26 bps | |
| Return on Equity | 11.09% | 10.79% | 10.49% | 6.18% | 8.32% | -277 bps | |
| Net Interest Margin | 4.39% | 4.49% | 4.46% | 4.18% | 4.12% | -27 bps | |
| Efficiency Ratio | 75.14% | 75.73% | 75.76% | 84.67% | 81.26% | +612 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.36% | 1.38% | 1.18% | 2.28% | 5.56% | +220 bps | |
| Loan Growth (YoY) | -7.30% | -5.86% | -4.79% | -2.70% | -1.55% | +575 bps | |
| Share Growth (YoY) | 3.05% | -0.33% | 0.58% | 2.16% | 4.57% | +152 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.26% | 0.46% | 0.78% | 0.76% | 0.26% | 0 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 | 10.71% | 11.12% | 11.26% | 11.16% | 11.17% | +46 bps | |
| Net Worth / Assets | 10.71% | 11.12% | 11.26% | 11.16% | 11.17% | +46 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.36% | 60.20% | 59.13% | 56.26% | 55.88% | -348 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pocatello, ID · Charter 490 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.93%
Rank 650 of 1,683
Net Interest Margin
4.12%
Rank 584 of 1,683
Efficiency Ratio
81.28%
Rank 996 of 1,682
Equity / Assets
11.17%
Rank 1,116 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.93% | 0.35% | 0.74% | 1.18% | Beats 61% | 650 / 1,683 | |
| Return on Equity | 8.31% | 2.67% | 5.89% | 8.74% | Beats 72% | 471 / 1,681 | |
| Net Interest Margin | 4.12% | 3.31% | 3.82% | 4.32% | Beats 65% | 584 / 1,683 | |
| Efficiency Ratio | 81.28% | 68.91% | 78.20% | 86.93% | Beats 41% | 996 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.27% | 0.26% | 0.65% | 1.29% | Beats 75% | 424 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.17% | 10.44% | 12.89% | 16.53% | Beats 34% | 1,116 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.17% | 10.44% | 12.89% | 16.53% | Beats 34% | 1,116 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 55.88% | 52.61% | 69.38% | 83.50% | 29th pctl | 1,192 / 1,683 | |
| Loans / Assets | 48.69% | 44.71% | 59.18% | 70.72% | 31st pctl | 1,155 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||