Idaho Falls, ID · Charter 68376
NCUA · 13 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
4
Asset Quality
53
Profitability
43
Liquidity
0
Efficiency
45
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.
Idaho Falls, ID · Charter 68376
NCUA · 13 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.19% | 0.35% | 0.31% | 0.63% | 0.52% | +33 bps | |
| Return on Equity | 2.19% | 4.03% | 3.45% | 7.77% | 6.39% | +421 bps | |
| Net Interest Margin | 3.66% | 3.65% | 3.84% | 3.57% | 3.62% | -4 bps | |
| Efficiency Ratio | 81.85% | 80.64% | 80.32% | 76.94% | 79.90% | -194 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.95% | 8.98% | 3.56% | 16.10% | 12.80% | +286 bps | |
| Loan Growth (YoY) | 7.38% | 7.41% | 7.59% | 16.01% | 15.50% | +812 bps | |
| Share Growth (YoY) | 9.80% | 14.17% | 7.43% | 13.68% | 10.84% | +104 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.72% | 0.73% | 0.64% | 0.51% | 0.60% | -13 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.67% | 8.75% | 9.01% | 8.07% | 8.06% | -60 bps | |
| Net Worth / Assets | 8.67% | 8.75% | 9.01% | 8.07% | 8.06% | -60 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.16% | 85.56% | 89.92% | 91.21% | 93.96% | +380 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Idaho Falls, ID · Charter 68376 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 13 branches
Q2 2026
Return on Assets
0.52%
Rank 1,115 of 1,683
Net Interest Margin
3.62%
Rank 1,017 of 1,683
Efficiency Ratio
79.90%
Rank 931 of 1,682
Equity / Assets
8.06%
Rank 1,617 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.52% | 0.35% | 0.74% | 1.18% | Beats 34% | 1,115 / 1,683 | |
| Return on Equity | 6.39% | 2.67% | 5.89% | 8.74% | Beats 55% | 757 / 1,681 | |
| Net Interest Margin | 3.62% | 3.31% | 3.82% | 4.32% | Beats 40% | 1,017 / 1,683 | |
| Efficiency Ratio | 79.90% | 68.91% | 78.20% | 86.93% | Beats 45% | 931 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.60% | 0.26% | 0.65% | 1.29% | Beats 53% | 789 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.06% | 10.44% | 12.89% | 16.53% | Beats 4% | 1,617 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.06% | 10.44% | 12.89% | 16.53% | Beats 4% | 1,617 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 93.96% | 52.61% | 69.38% | 83.50% | 92nd pctl | 134 / 1,683 | |
| Loans / Assets | 79.38% | 44.71% | 59.18% | 70.72% | 91st pctl | 152 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||