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 | |