Chubbuck, ID · Charter 63194
NCUA · 63 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 any (n=25). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
0
Asset Quality
80
Profitability
59
Liquidity
0
Efficiency
48
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.
Chubbuck, ID · Charter 63194
NCUA · 63 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 | 0.99% | 0.94% | 0.81% | 0.92% | 1.05% | 0.98% | 1.06% | 1.15% | +24 bps | |
| Return on Equity | 11.34% | 10.77% | 9.66% | 10.89% | 12.48% | 12.03% | 12.77% | 13.87% | +298 bps | |
| Net Interest Margin | 2.57% | 2.55% | 2.73% | 2.79% | 2.76% | 2.67% | 2.85% | 2.87% | +8 bps | |
| Efficiency Ratio | 62.95% | 63.66% | 65.97% | 64.86% | 63.65% | 63.27% | 64.52% | 62.63% | -223 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.20% | 10.19% | 16.40% | 15.86% | 18.82% | 21.77% | 16.03% | 16.93% | +107 bps | |
| Loan Growth (YoY) | 9.05% | 10.44% | 15.34% | 15.91% | 19.42% | 21.61% | 16.80% | 19.72% | +381 bps | |
| Share Growth (YoY) | 6.99% | 7.24% | 16.34% | 19.84% | 20.93% | 21.25% | 16.47% | 14.43% | -541 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.42% | 0.43% | 0.41% | 0.38% | 0.39% | 0.45% | 0.43% | 0.46% | +7 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 | 8.77% | 8.68% | 8.40% | 8.42% | 8.39% | 8.14% | 8.28% | 8.33% | -9 bps | |
| Net Worth / Assets | 8.77% | 8.68% | 8.40% | 8.42% | 8.39% | 8.14% | 8.28% | 8.33% | -9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.86% | 100.16% | 97.53% | 96.92% | 98.62% | 100.46% | 97.81% | 101.40% | +448 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Chubbuck, ID · Charter 63194 · Peer group: credit unions any (n=25)
NCUA · 63 branches
Q2 2026
Return on Assets
1.15%
Rank 10 of 25
Net Interest Margin
2.87%
Rank 18 of 25
Efficiency Ratio
62.63%
Rank 14 of 25
Equity / Assets
8.33%
Rank 25 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.15% | 0.54% | 0.87% | 1.36% | Beats 60% | 10 / 25 | ||
| Return on Equity | 13.87% | 5.49% | 9.20% | 10.99% | Beats 88% | 3 / 25 | ||
| Net Interest Margin | 2.87% | 2.86% | 3.13% | 3.50% | Beats 28% | 18 / 25 | ||
| Efficiency Ratio | 62.63% | 54.62% | 61.07% | 70.28% | Beats 48% | 14 / 25 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.46% | 0.64% | 0.92% | 1.30% | Beats 80% | 6 / 25 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.33% | 9.55% | 10.72% | 11.84% | Beats 0% | 25 / 25 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.33% | 9.55% | 10.72% | 11.84% | Beats 0% | 25 / 25 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 101.40% | 81.23% | 88.75% | 93.33% | 88th pctl | 3 / 25 | ||
| Loans / Assets | 88.65% | 68.82% | 78.26% | 79.51% | 96th pctl | 1 / 25 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||