Pocatello, ID · Charter 63405
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 | 0.95% | -5.05% | 0.94% | 0.74% | 1.03% | +8 bps | |
| Return on Equity | 4.36% | -28.16% | 4.59% | 3.43% | 4.72% | +36 bps | |
| Net Interest Margin | 4.33% | 4.46% | 4.28% | 4.27% | 4.31% | -2 bps | |
| Efficiency Ratio | 64.40% | 62.48% | 66.86% | 76.29% | 72.48% | +807 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.73% | 2.89% | 4.35% | 2.41% | 3.69% | -4 bps | |
| Loan Growth (YoY) | 0.42% | -0.45% | -0.70% | -1.73% | -5.41% | -583 bps | |
| Share Growth (YoY) | 1.68% | 2.39% | 5.31% | 3.67% | 5.13% | +345 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.77% | 17.94% | 20.59% | 21.56% | 21.92% | +15 bps | |
| Net Worth / Assets | 21.77% | 17.94% | 20.59% | 21.56% | 21.92% | +15 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |