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 | |