PackageTrendsPeer
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Connections

Pocatello, ID · Charter 68257

NCUA · 12 branches

Q2 2026

$256.1MAssets
$209.7MLoans
$231.4MShares
$21.6MNet 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 0.40%, down 2 bps year over year; NIM at 3.87%.
  • Asset quality: problem loans at 1.27% of loans (-64 bps YoY).
  • Capital: net worth / assets of 8.45%, up 22 bps from a year ago.
  • Funding: loans stand at 90.60% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.40%-2 bps YoY

Net Interest Margin (quarter, annualized)

3.87%0 bps YoY

Efficiency Ratio (quarter, annualized)

80.84%-116 bps YoY

Net Worth / Assets

8.45%+22 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.42%0.45%0.47%0.42%0.40%-2 bps
Return on Equity5.14%5.49%5.67%5.07%4.72%-42 bps
Net Interest Margin3.87%3.88%3.89%3.80%3.87%0 bps
Efficiency Ratio82.00%81.36%80.71%79.34%80.84%-116 bps
Growth
Asset Growth (YoY)1.63%2.26%-0.02%1.46%2.62%+99 bps
Loan Growth (YoY)4.10%4.49%-1.81%0.54%2.18%-192 bps
Share Growth (YoY)0.92%1.34%-0.93%0.77%2.15%+123 bps
Asset Quality
Delinquent Loans / Loans1.91%1.09%1.44%1.38%1.27%-64 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 Capital8.23%8.26%8.30%8.25%8.45%+22 bps
Net Worth / Assets8.23%8.26%8.30%8.25%8.45%+22 bps
Liquidity & Funding
Loans / Shares90.59%91.96%89.57%87.87%90.60%+2 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps