PackageTrendsPeer
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Westmark

Idaho Falls, ID · Charter 68353

NCUA · 15 branches

Q2 2026

$1.7BAssets
$1.4BLoans
$1.4BShares
$131.9MNet 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 0.46%, up 8 bps year over year; NIM at 3.38%.
  • Asset quality: problem loans at 0.30% of loans (+5 bps YoY).
  • Capital: net worth / assets of 7.96%, up 3 bps from a year ago.
  • Funding: loans stand at 104.32% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.46%+8 bps YoY

Net Interest Margin (quarter, annualized)

3.38%+43 bps YoY

Efficiency Ratio (quarter, annualized)

72.09%-225 bps YoY

Net Worth / Assets

7.96%+3 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.38%0.41%0.44%0.43%0.46%+8 bps
Return on Equity4.78%5.20%5.57%5.39%5.79%+101 bps
Net Interest Margin2.95%3.01%3.06%3.40%3.38%+43 bps
Efficiency Ratio74.34%73.72%73.50%73.04%72.09%-225 bps
Growth
Asset Growth (YoY)8.74%10.86%13.27%10.44%5.72%-302 bps
Loan Growth (YoY)12.61%14.05%15.30%12.68%6.08%-654 bps
Share Growth (YoY)4.36%6.37%7.08%6.99%7.15%+278 bps
Asset Quality
Delinquent Loans / Loans0.26%0.27%0.29%0.30%0.30%+5 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 Capital7.94%7.88%7.90%8.01%7.96%+3 bps
Net Worth / Assets7.94%7.88%7.90%8.01%7.96%+3 bps
Liquidity & Funding
Loans / Shares105.37%105.06%105.12%102.91%104.32%-105 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps