Nampa, ID · Charter 68295
NCUA · 6 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 | 1.01% | 1.06% | 0.86% | 1.12% | 0.60% | 0.59% | 0.60% | 0.35% | -77 bps | |
| Return on Equity | 10.43% | 10.60% | 8.47% | 11.07% | 6.21% | 6.06% | 6.32% | 3.74% | -733 bps | |
| Net Interest Margin | 4.30% | 4.40% | 4.42% | 4.47% | 4.42% | 4.32% | 4.20% | 4.21% | -26 bps | |
| Efficiency Ratio | 73.40% | 72.07% | 76.25% | 73.99% | 74.17% | 75.17% | 79.99% | 82.87% | +887 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.66% | 5.11% | 4.65% | 3.62% | 5.94% | 9.39% | 9.54% | 10.82% | +719 bps | |
| Loan Growth (YoY) | 15.00% | 10.88% | 7.74% | -3.35% | 9.61% | 15.05% | 18.54% | 17.36% | +2,071 bps | |
| Share Growth (YoY) | 14.73% | 7.31% | 3.63% | 4.12% | 5.61% | 9.43% | 9.98% | 11.99% | +787 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.79% | 1.72% | 1.26% | 1.67% | 1.29% | 1.23% | 1.00% | 0.99% | -68 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 | 9.64% | 9.97% | 10.19% | 10.14% | 9.71% | 9.70% | 9.52% | 9.38% | -76 bps | |
| Net Worth / Assets | 9.64% | 9.97% | 10.19% | 10.14% | 9.71% | 9.70% | 9.52% | 9.38% | -76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.53% | 77.25% | 72.99% | 73.09% | 81.50% | 81.22% | 78.67% | 76.59% | +351 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |