Pocatello, ID · Charter 490
NCUA · 2 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 1.14% | 0.94% | 1.19% | 1.20% | 1.18% | 0.69% | 0.93% | -26 bps | |
| Return on Equity | 10.49% | 11.18% | 9.11% | 11.09% | 10.79% | 10.49% | 6.18% | 8.32% | -277 bps | |
| Net Interest Margin | 4.17% | 4.19% | 4.34% | 4.39% | 4.49% | 4.46% | 4.18% | 4.12% | -27 bps | |
| Efficiency Ratio | 76.82% | 76.23% | 77.52% | 75.14% | 75.73% | 75.76% | 84.67% | 81.26% | +612 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.59% | 3.64% | 3.57% | 3.36% | 1.38% | 1.18% | 2.28% | 5.56% | +220 bps | |
| Loan Growth (YoY) | -1.42% | -1.18% | -5.18% | -7.30% | -5.86% | -4.79% | -2.70% | -1.55% | +575 bps | |
| Share Growth (YoY) | 2.06% | 2.67% | 2.40% | 3.05% | -0.33% | 0.58% | 2.16% | 4.57% | +152 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.53% | 0.46% | 0.19% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.99% | 10.20% | 10.29% | 10.71% | 11.12% | 11.26% | 11.16% | 11.17% | +46 bps | |
| Net Worth / Assets | 9.99% | 10.20% | 10.29% | 10.71% | 11.12% | 11.26% | 11.16% | 11.17% | +46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.74% | 62.47% | 59.08% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |