PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Freedom Northwest

Kamiah, ID · Charter 65722

NCUA · 2 branches

Q2 2026

$693.1MAssets
$590.0MLoans
$509.8MShares
$92.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 2.46%, up 34 bps year over year; NIM at 3.44%.
  • Asset quality: problem loans at 0.61% of loans (+29 bps YoY).
  • Capital: net worth / assets of 13.40%, up 137 bps from a year ago.
  • Funding: loans stand at 115.74% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

2.46%+34 bps YoY

Net Interest Margin (quarter, annualized)

3.44%+16 bps YoY

Efficiency Ratio (quarter, annualized)

39.51%-320 bps YoY

Net Worth / Assets

13.40%+137 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.12%2.18%2.33%2.42%2.46%+34 bps
Return on Equity17.62%17.63%17.84%18.24%18.32%+71 bps
Net Interest Margin3.28%3.29%3.41%3.48%3.44%+16 bps
Efficiency Ratio42.70%41.67%40.19%40.62%39.51%-320 bps
Growth
Asset Growth (YoY)10.09%10.56%9.63%10.55%9.70%-39 bps
Loan Growth (YoY)11.84%12.46%13.03%12.44%13.72%+188 bps
Share Growth (YoY)9.51%11.17%9.43%12.40%8.08%-143 bps
Asset Quality
Delinquent Loans / Loans0.32%0.32%0.39%0.62%0.61%+29 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.03%12.37%13.08%13.24%13.40%+137 bps
Net Worth / Assets12.03%12.37%13.08%13.24%13.40%+137 bps
Liquidity & Funding
Loans / Shares110.00%109.94%115.36%113.77%115.74%+574 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps