Kamiah, ID · Charter 65722
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
55
Asset Quality
52
Profitability
76
Liquidity
0
Efficiency
99
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.
Kamiah, ID · Charter 65722
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 | 2.03% | 2.04% | 2.12% | 2.12% | 2.18% | 2.33% | 2.42% | 2.46% | +34 bps | |
| Return on Equity | 17.90% | 17.33% | 17.69% | 17.62% | 17.63% | 17.84% | 18.24% | 18.32% | +71 bps | |
| Net Interest Margin | 2.96% | 3.03% | 3.24% | 3.28% | 3.29% | 3.41% | 3.48% | 3.44% | +16 bps | |
| Efficiency Ratio | 41.75% | 42.32% | 44.23% | 42.70% | 41.67% | 40.19% | 40.62% | 39.51% | -320 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.20% | -4.15% | -1.04% | 10.09% | 10.56% | 9.63% | 10.55% | 9.70% | -39 bps | |
| Loan Growth (YoY) | 9.52% | 9.38% | 11.42% | 11.84% | 12.46% | 13.03% | 12.44% | 13.72% | +188 bps | |
| Share Growth (YoY) | -6.88% | -8.60% | -6.02% | 9.51% | 11.17% | 9.43% | 12.40% | 8.08% | -143 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.46% | 0.20% | 0.25% | 0.32% | 0.32% | 0.39% | 0.62% | 0.61% | +29 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 | 11.33% | 11.78% | 12.01% | 12.03% | 12.37% | 13.08% | 13.24% | 13.40% | +137 bps | |
| Net Worth / Assets | 11.33% | 11.78% | 12.01% | 12.03% | 12.37% | 13.08% | 13.24% | 13.40% | +137 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 108.67% | 111.68% | 113.73% | 110.00% | 109.94% | 115.36% | 113.77% | 115.74% | +574 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Kamiah, ID · Charter 65722 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
2.46%
Rank 30 of 1,683
Net Interest Margin
3.44%
Rank 1,166 of 1,683
Efficiency Ratio
39.51%
Rank 17 of 1,682
Equity / Assets
13.40%
Rank 760 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.46% | 0.35% | 0.74% | 1.18% | Beats 98% | 30 / 1,683 | ||
| Return on Equity | 18.32% | 2.67% | 5.89% | 8.74% | Beats 99% | 15 / 1,681 | ||
| Net Interest Margin | 3.44% | 3.31% | 3.82% | 4.32% | Beats 31% | 1,166 / 1,683 | ||
| Efficiency Ratio | 39.51% | 68.91% | 78.20% | 86.93% | Beats 99% | 17 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.61% | 0.26% | 0.65% | 1.29% | Beats 52% | 801 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.40% | 10.44% | 12.89% | 16.53% | Beats 55% | 760 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.40% | 10.44% | 12.89% | 16.53% | Beats 55% | 760 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 115.74% | 52.61% | 69.38% | 83.50% | 100th pctl | 8 / 1,683 | ||
| Loans / Assets | 85.14% | 44.71% | 59.18% | 70.72% | 98th pctl | 40 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||