Pocatello, ID · Charter 63405
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
90
Asset Quality
72
Profitability
61
Liquidity
49
Efficiency
67
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 63405
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 | 1.39% | 1.39% | 0.82% | 0.95% | -5.05% | 0.94% | 0.74% | 1.03% | +8 bps | |
| Return on Equity | 6.42% | 6.48% | 3.86% | 4.36% | -28.16% | 4.59% | 3.43% | 4.72% | +36 bps | |
| Net Interest Margin | 4.34% | 4.27% | 4.22% | 4.33% | 4.46% | 4.28% | 4.27% | 4.31% | -2 bps | |
| Efficiency Ratio | 65.35% | 65.28% | 67.59% | 64.40% | 62.48% | 66.86% | 76.29% | 72.48% | +807 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.03% | 2.59% | 4.55% | 3.73% | 2.89% | 4.35% | 2.41% | 3.69% | -4 bps | |
| Loan Growth (YoY) | -1.14% | -2.51% | -3.38% | 0.42% | -0.45% | -0.70% | -1.73% | -5.41% | -583 bps | |
| Share Growth (YoY) | -4.47% | -0.29% | 2.40% | 1.68% | 2.39% | 5.31% | 3.67% | 5.13% | +345 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.72% | 0.96% | 0.89% | 0.89% | 0.76% | 0.73% | 0.38% | 0.30% | -59 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 | 21.61% | 21.51% | 21.32% | 21.77% | 17.94% | 20.59% | 21.56% | 21.92% | +15 bps | |
| Net Worth / Assets | 21.61% | 21.51% | 21.32% | 21.77% | 17.94% | 20.59% | 21.56% | 21.92% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.20% | 89.35% | 88.01% | 90.08% | 89.65% | 84.25% | 83.42% | 81.04% | -903 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pocatello, ID · Charter 63405 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
1.03%
Rank 567 of 1,683
Net Interest Margin
4.31%
Rank 424 of 1,683
Efficiency Ratio
72.47%
Rank 563 of 1,682
Equity / Assets
21.92%
Rank 164 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.03% | 0.35% | 0.74% | 1.18% | Beats 66% | 567 / 1,683 | ||
| Return on Equity | 4.72% | 2.67% | 5.89% | 8.74% | Beats 41% | 986 / 1,681 | ||
| Net Interest Margin | 4.31% | 3.31% | 3.82% | 4.32% | Beats 75% | 424 / 1,683 | ||
| Efficiency Ratio | 72.47% | 68.91% | 78.20% | 86.93% | Beats 67% | 563 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.30% | 0.26% | 0.65% | 1.29% | Beats 72% | 467 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 21.92% | 10.44% | 12.89% | 16.53% | Beats 90% | 164 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 21.92% | 10.44% | 12.89% | 16.53% | Beats 90% | 164 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 81.05% | 52.61% | 69.38% | 83.50% | 71st pctl | 486 / 1,683 | ||
| Loans / Assets | 63.22% | 44.71% | 59.18% | 70.72% | 59th pctl | 693 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||