Pocatello, ID · Charter 63405
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |