Idaho Falls, ID · Charter 68353
NCUA · 15 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
2
Asset Quality
91
Profitability
33
Liquidity
0
Efficiency
48
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.
Idaho Falls, ID · Charter 68353
NCUA · 15 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 | 0.57% | 0.52% | 0.34% | 0.38% | 0.41% | 0.44% | 0.43% | 0.46% | +8 bps | |
| Return on Equity | 6.83% | 6.12% | 4.09% | 4.78% | 5.20% | 5.57% | 5.39% | 5.79% | +101 bps | |
| Net Interest Margin | 2.69% | 2.77% | 2.99% | 2.95% | 3.01% | 3.06% | 3.40% | 3.38% | +43 bps | |
| Efficiency Ratio | 71.05% | 72.25% | 76.01% | 74.34% | 73.72% | 73.50% | 73.04% | 72.09% | -225 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.36% | 4.14% | 3.76% | 8.74% | 10.86% | 13.27% | 10.44% | 5.72% | -302 bps | |
| Loan Growth (YoY) | 3.04% | 3.21% | 5.36% | 12.61% | 14.05% | 15.30% | 12.68% | 6.08% | -654 bps | |
| Share Growth (YoY) | 4.02% | 4.30% | 4.07% | 4.36% | 6.37% | 7.08% | 6.99% | 7.15% | +278 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.28% | 0.26% | 0.25% | 0.26% | 0.27% | 0.29% | 0.30% | 0.30% | +5 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 | 8.34% | 8.48% | 8.35% | 7.94% | 7.88% | 7.90% | 8.01% | 7.96% | +3 bps | |
| Net Worth / Assets | 8.34% | 8.48% | 8.35% | 7.94% | 7.88% | 7.90% | 8.01% | 7.96% | +3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.99% | 97.63% | 97.71% | 105.37% | 105.06% | 105.12% | 102.91% | 104.32% | -105 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Idaho Falls, ID · Charter 68353 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 15 branches
Q2 2026
Return on Assets
0.46%
Rank 354 of 435
Net Interest Margin
3.38%
Rank 224 of 435
Efficiency Ratio
72.09%
Rank 226 of 435
Equity / Assets
7.96%
Rank 425 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.46% | 0.55% | 0.81% | 1.14% | Beats 19% | 354 / 435 | ||
| Return on Equity | 5.79% | 5.12% | 7.41% | 9.70% | Beats 32% | 295 / 435 | ||
| Net Interest Margin | 3.38% | 3.01% | 3.39% | 3.75% | Beats 49% | 224 / 435 | ||
| Efficiency Ratio | 72.09% | 65.25% | 71.39% | 77.86% | Beats 48% | 226 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.30% | 0.45% | 0.69% | 1.05% | Beats 91% | 43 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 7.96% | 9.81% | 10.84% | 12.63% | Beats 2% | 425 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 7.96% | 9.81% | 10.84% | 12.63% | Beats 2% | 425 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 104.32% | 78.33% | 88.38% | 95.61% | 93rd pctl | 31 / 435 | ||
| Loans / Assets | 87.34% | 67.69% | 74.58% | 80.80% | 95th pctl | 21 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||