Pocatello, ID · Charter 68257
NCUA · 12 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
6
Asset Quality
25
Profitability
40
Liquidity
7
Efficiency
43
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.
Pocatello, ID · Charter 68257
NCUA · 12 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 | 0.34% | 0.28% | 0.34% | 0.42% | 0.45% | 0.47% | 0.42% | 0.40% | -2 bps | |
| Return on Equity | 4.30% | 3.70% | 4.28% | 5.14% | 5.49% | 5.67% | 5.07% | 4.72% | -42 bps | |
| Net Interest Margin | 3.83% | 3.74% | 3.74% | 3.87% | 3.88% | 3.89% | 3.80% | 3.87% | 0 bps | |
| Efficiency Ratio | 82.96% | 84.11% | 83.91% | 82.00% | 81.36% | 80.71% | 79.34% | 80.84% | -116 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.56% | 3.52% | 4.23% | 1.63% | 2.26% | -0.02% | 1.46% | 2.62% | +99 bps | |
| Loan Growth (YoY) | -0.33% | 5.38% | 4.06% | 4.10% | 4.49% | -1.81% | 0.54% | 2.18% | -192 bps | |
| Share Growth (YoY) | 3.68% | 6.85% | 4.03% | 0.92% | 1.34% | -0.93% | 0.77% | 2.15% | +123 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.68% | 2.17% | 1.55% | 1.91% | 1.09% | 1.44% | 1.38% | 1.27% | -64 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 | 7.93% | 7.70% | 7.91% | 8.23% | 8.26% | 8.30% | 8.25% | 8.45% | +22 bps | |
| Net Worth / Assets | 7.93% | 7.70% | 7.91% | 8.23% | 8.26% | 8.30% | 8.25% | 8.45% | +22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.19% | 90.37% | 88.07% | 90.59% | 91.96% | 89.57% | 87.87% | 90.60% | +2 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pocatello, ID · Charter 68257 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 12 branches
Q2 2026
Return on Assets
0.40%
Rank 1,228 of 1,683
Net Interest Margin
3.87%
Rank 793 of 1,683
Efficiency Ratio
80.85%
Rank 968 of 1,682
Equity / Assets
8.45%
Rank 1,578 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.40% | 0.35% | 0.74% | 1.18% | Beats 27% | 1,228 / 1,683 | ||
| Return on Equity | 4.72% | 2.67% | 5.89% | 8.74% | Beats 41% | 984 / 1,681 | ||
| Net Interest Margin | 3.87% | 3.31% | 3.82% | 4.32% | Beats 53% | 793 / 1,683 | ||
| Efficiency Ratio | 80.85% | 68.91% | 78.20% | 86.93% | Beats 43% | 968 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.27% | 0.26% | 0.65% | 1.29% | Beats 25% | 1,256 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.45% | 10.44% | 12.89% | 16.53% | Beats 6% | 1,578 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.45% | 10.44% | 12.89% | 16.53% | Beats 6% | 1,578 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.61% | 52.61% | 69.38% | 83.50% | 87th pctl | 221 / 1,683 | ||
| Loans / Assets | 81.89% | 44.71% | 59.18% | 70.72% | 94th pctl | 102 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||