PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Idaho Central

Chubbuck, ID · Charter 63194

NCUA · 63 branches

Q2 2026

$15.5BAssets
$13.8BLoans
$13.6BShares
$1.3BNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.15%, up 24 bps year over year; NIM at 2.87%.
  • Asset quality: problem loans at 0.46% of loans (+7 bps YoY).
  • Capital: net worth / assets of 8.33%, down 9 bps from a year ago.
  • Funding: loans stand at 101.40% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.15%+24 bps YoY

Net Interest Margin (YTD, annualized)

2.87%+8 bps YoY

Efficiency Ratio (YTD, annualized)

62.63%-223 bps YoY

Net Worth / Assets

8.33%-9 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.92%1.05%0.98%1.06%1.15%+24 bps
Return on Equity10.89%12.48%12.03%12.77%13.87%+298 bps
Net Interest Margin2.79%2.76%2.67%2.85%2.87%+8 bps
Efficiency Ratio64.86%63.65%63.27%64.52%62.63%-223 bps
Growth
Asset Growth (YoY)15.86%18.82%21.77%16.03%16.93%+107 bps
Loan Growth (YoY)15.91%19.42%21.61%16.80%19.72%+381 bps
Share Growth (YoY)19.84%20.93%21.25%16.47%14.43%-541 bps
Asset Quality
Delinquent Loans / Loans0.38%0.39%0.45%0.43%0.46%+7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.42%8.39%8.14%8.28%8.33%-9 bps
Net Worth / Assets8.42%8.39%8.14%8.28%8.33%-9 bps
Liquidity & Funding
Loans / Shares96.92%98.62%100.46%97.81%101.40%+448 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps