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 | |