Pocatello, ID · Charter 517
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
5
Asset Quality
49
Profitability
24
Liquidity
0
Efficiency
33
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 517
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 | 0.63% | 0.45% | -0.17% | -0.03% | 0.06% | -56 bps | |
| Return on Equity | 7.07% | 5.07% | -2.13% | -0.39% | 0.77% | -630 bps | |
| Net Interest Margin | 3.72% | 3.82% | 3.75% | 3.76% | 3.71% | -2 bps | |
| Efficiency Ratio | 87.03% | 87.34% | 91.94% | 92.27% | 83.63% | -340 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.06% | 3.42% | 3.58% | 2.01% | 1.57% | -150 bps | |
| Loan Growth (YoY) | 1.31% | 1.74% | -0.57% | -0.53% | -0.25% | -156 bps | |
| Share Growth (YoY) | 4.01% | 3.57% | 8.44% | 2.67% | 2.24% | -177 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.37% | 1.05% | 1.55% | 1.92% | 0.68% | -170 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 | 8.85% | 8.88% | 8.19% | 8.15% | 8.26% | -59 bps | |
| Net Worth / Assets | 8.85% | 8.88% | 8.19% | 8.15% | 8.26% | -59 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 96.53% | 95.44% | 92.44% | 91.64% | 94.17% | -235 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pocatello, ID · Charter 517 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.07%
Rank 1,457 of 1,683
Net Interest Margin
3.71%
Rank 934 of 1,683
Efficiency Ratio
83.60%
Rank 1,123 of 1,682
Equity / Assets
8.26%
Rank 1,605 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.07% | 0.35% | 0.74% | 1.18% | Beats 13% | 1,457 / 1,683 | |
| Return on Equity | 0.80% | 2.67% | 5.89% | 8.74% | Beats 14% | 1,443 / 1,681 | |
| Net Interest Margin | 3.71% | 3.31% | 3.82% | 4.32% | Beats 45% | 934 / 1,683 | |
| Efficiency Ratio | 83.60% | 68.91% | 78.20% | 86.93% | Beats 33% | 1,123 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.68% | 0.26% | 0.65% | 1.29% | Beats 49% | 857 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.26% | 10.44% | 12.89% | 16.53% | Beats 5% | 1,605 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.26% | 10.44% | 12.89% | 16.53% | Beats 5% | 1,605 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 94.17% | 52.61% | 69.38% | 83.50% | 92nd pctl | 131 / 1,683 | |
| Loans / Assets | 86.39% | 44.71% | 59.18% | 70.72% | 98th pctl | 29 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||