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Pocatello, ID · Charter 63405

NCUA · 2 branches

Q2 2026

$59.0MAssets
$37.3MLoans
$46.0MShares
$12.9MNet Worth

Executive Summary

  • Earnings: ROA of 1.03%, up 8 bps year over year; NIM at 4.31%.
  • Asset quality: problem loans at 0.30% of loans (-59 bps YoY).
  • Capital: net worth / assets of 21.92%, up 15 bps from a year ago.
  • Funding: loans stand at 81.04% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.03%+8 bps YoY

Net Interest Margin (YTD, annualized)

4.31%-2 bps YoY

Efficiency Ratio (YTD, annualized)

72.48%+807 bps YoY

Net Worth / Assets

21.92%+15 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.39%1.39%0.82%0.95%-5.05%0.94%0.74%1.03%+8 bps
Return on Equity6.42%6.48%3.86%4.36%-28.16%4.59%3.43%4.72%+36 bps
Net Interest Margin4.34%4.27%4.22%4.33%4.46%4.28%4.27%4.31%-2 bps
Efficiency Ratio65.35%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 / Loans0.72%0.96%0.89%0.89%0.76%0.73%0.38%0.30%-59 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital21.61%21.51%21.32%21.77%17.94%20.59%21.56%21.92%+15 bps
Net Worth / Assets21.61%21.51%21.32%21.77%17.94%20.59%21.56%21.92%+15 bps
Liquidity & Funding
Loans / Shares92.20%89.35%88.01%90.08%89.65%84.25%83.42%81.04%-903 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps