Clarity
Nampa, ID · Charter 68295 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
$235.6MAssets
$165.9MLoans
$216.6MShares
$22.1MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 70% of credit unions under $1B in assets (rank 507 of 1683).
- Widest gap: equity / assets trails 86% of credit unions under $1B in assets (rank 1452 of 1683).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.35%
Rank 1,264 of 1,683
Net Interest Margin
4.20%
Rank 507 of 1,683
Efficiency Ratio
82.87%
Rank 1,078 of 1,682
Equity / Assets
9.38%
Rank 1,452 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.35% | 0.35% | 0.74% | 1.18% | Beats 25% | 1,264 / 1,683 | | |
| Return on Equity | 3.74% | 2.67% | 5.89% | 8.74% | Beats 33% | 1,126 / 1,681 | | |
| Net Interest Margin | 4.20% | 3.31% | 3.82% | 4.32% | Beats 70% | 507 / 1,683 | | |
| Efficiency Ratio | 82.87% | 68.91% | 78.20% | 86.93% | Beats 36% | 1,078 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.99% | 0.26% | 0.65% | 1.29% | Beats 33% | 1,123 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.38% | 10.44% | 12.89% | 16.53% | Beats 14% | 1,452 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.38% | 10.44% | 12.89% | 16.53% | Beats 14% | 1,452 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 76.59% | 52.61% | 69.38% | 83.50% | 63rd pctl | 625 / 1,683 | | |
| Loans / Assets | 70.42% | 44.71% | 59.18% | 70.72% | 74th pctl | 431 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |