Boise, ID · Charter 68361
NCUA · 2 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 under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
10
Asset Quality
91
Profitability
44
Liquidity
25
Efficiency
43
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.
Boise, ID · Charter 68361
NCUA · 2 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 | 0.88% | 0.93% | 0.94% | 1.00% | 1.03% | 1.12% | -0.04% | 0.55% | -45 bps | |
| Return on Equity | 10.63% | 11.30% | 11.15% | 11.42% | 11.82% | 12.29% | -0.49% | 6.13% | -530 bps | |
| Net Interest Margin | 3.41% | 3.33% | 3.78% | 3.84% | 3.71% | 3.76% | 3.53% | 3.66% | -18 bps | |
| Efficiency Ratio | 74.14% | 72.82% | 71.05% | 71.98% | 70.34% | 69.72% | 91.87% | 80.43% | +845 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.97% | 10.11% | 4.63% | 6.16% | 6.74% | 2.52% | 9.19% | 8.52% | +236 bps | |
| Loan Growth (YoY) | 4.47% | 0.13% | 1.75% | 4.80% | 2.89% | 8.45% | 6.17% | 6.23% | +143 bps | |
| Share Growth (YoY) | 14.20% | 10.53% | 4.21% | 5.49% | 6.61% | 1.51% | 8.71% | 8.83% | +334 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.15% | 0.22% | 0.14% | 0.08% | 0.30% | 0.21% | 0.05% | 0.02% | -7 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 | 8.29% | 8.26% | 8.44% | 8.75% | 8.72% | 9.15% | 8.53% | 8.90% | +15 bps | |
| Net Worth / Assets | 8.29% | 8.26% | 8.44% | 8.75% | 8.72% | 9.15% | 8.53% | 8.90% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.71% | 84.49% | 86.95% | 88.58% | 85.62% | 90.27% | 84.91% | 86.46% | -212 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Boise, ID · Charter 68361 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.55%
Rank 1,077 of 1,683
Net Interest Margin
3.66%
Rank 984 of 1,683
Efficiency Ratio
80.42%
Rank 954 of 1,682
Equity / Assets
8.90%
Rank 1,516 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.55% | 0.35% | 0.74% | 1.18% | Beats 36% | 1,077 / 1,683 | ||
| Return on Equity | 6.13% | 2.67% | 5.89% | 8.74% | Beats 53% | 795 / 1,681 | ||
| Net Interest Margin | 3.66% | 3.31% | 3.82% | 4.32% | Beats 42% | 984 / 1,683 | ||
| Efficiency Ratio | 80.42% | 68.91% | 78.20% | 86.93% | Beats 43% | 954 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.01% | 0.26% | 0.65% | 1.29% | Beats 91% | 149 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.90% | 10.44% | 12.89% | 16.53% | Beats 10% | 1,516 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.90% | 10.44% | 12.89% | 16.53% | Beats 10% | 1,516 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 86.46% | 52.61% | 69.38% | 83.50% | 80th pctl | 335 / 1,683 | ||
| Loans / Assets | 78.08% | 44.71% | 59.18% | 70.72% | 89th pctl | 187 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||