PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Idaho United

Boise, ID · Charter 68361

NCUA · 2 branches

Q2 2026

$77.3MAssets
$60.4MLoans
$69.8MShares
$6.9MNet 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 0.55%, down 45 bps year over year; NIM at 3.66%.
  • Asset quality: problem loans at 0.02% of loans (-7 bps YoY).
  • Capital: net worth / assets of 8.90%, up 15 bps from a year ago.
  • Funding: loans stand at 86.46% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.55%-45 bps YoY

Net Interest Margin (quarter, annualized)

3.66%-18 bps YoY

Efficiency Ratio (quarter, annualized)

80.43%+845 bps YoY

Net Worth / Assets

8.90%+15 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.00%1.03%1.12%-0.04%0.55%-45 bps
Return on Equity11.42%11.82%12.29%-0.49%6.13%-530 bps
Net Interest Margin3.84%3.71%3.76%3.53%3.66%-18 bps
Efficiency Ratio71.98%70.34%69.72%91.87%80.43%+845 bps
Growth
Asset Growth (YoY)6.16%6.74%2.52%9.19%8.52%+236 bps
Loan Growth (YoY)4.80%2.89%8.45%6.17%6.23%+143 bps
Share Growth (YoY)5.49%6.61%1.51%8.71%8.83%+334 bps
Asset Quality
Delinquent Loans / Loans0.08%0.30%0.21%0.05%0.02%-7 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 Capital8.75%8.72%9.15%8.53%8.90%+15 bps
Net Worth / Assets8.75%8.72%9.15%8.53%8.90%+15 bps
Liquidity & Funding
Loans / Shares88.58%85.62%90.27%84.91%86.46%-212 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps