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 | |