Pocatello, ID · Charter 68257
NCUA · 12 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |