Pocatello, ID · Charter 517
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 | 0.27% | 0.01% | 0.74% | 0.63% | 0.45% | -0.17% | -0.03% | 0.06% | -56 bps | |
| Return on Equity | 3.04% | 0.11% | 8.47% | 7.07% | 5.07% | -2.13% | -0.39% | 0.77% | -630 bps | |
| Net Interest Margin | 3.73% | 3.67% | 3.64% | 3.72% | 3.82% | 3.75% | 3.76% | 3.71% | -2 bps | |
| Efficiency Ratio | 92.79% | 97.75% | 83.32% | 87.03% | 87.34% | 91.94% | 92.27% | 83.63% | -340 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.35% | -0.25% | 2.20% | 3.06% | 3.42% | 3.58% | 2.01% | 1.57% | -150 bps | |
| Loan Growth (YoY) | -0.58% | -0.66% | -1.01% | 1.31% | 1.74% | -0.57% | -0.53% | -0.25% | -156 bps | |
| Share Growth (YoY) | 0.53% | -3.37% | 3.13% | 4.01% | 3.57% | 8.44% | 2.67% | 2.24% | -177 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.82% | 1.44% | 3.55% | 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 | 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 | 9.03% | 8.67% | 8.69% | 8.85% | 8.88% | 8.19% | 8.15% | 8.26% | -59 bps | |
| Net Worth / Assets | 9.03% | 8.67% | 8.69% | 8.85% | 8.88% | 8.19% | 8.15% | 8.26% | -59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.14% | 100.81% | 94.58% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |