PackageTrendsPeer
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Frontier

Idaho Falls, ID · Charter 68376

NCUA · 13 branches

Q2 2026

$821.6MAssets
$652.2MLoans
$694.2MShares
$66.3MNet 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 0.52%, up 33 bps year over year; NIM at 3.62%.
  • Asset quality: problem loans at 0.60% of loans (-13 bps YoY).
  • Capital: net worth / assets of 8.06%, down 60 bps from a year ago.
  • Funding: loans stand at 93.96% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.52%+33 bps YoY

Net Interest Margin (quarter, annualized)

3.62%-4 bps YoY

Efficiency Ratio (quarter, annualized)

79.90%-194 bps YoY

Net Worth / Assets

8.06%-60 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.19%0.35%0.31%0.63%0.52%+33 bps
Return on Equity2.19%4.03%3.45%7.77%6.39%+421 bps
Net Interest Margin3.66%3.65%3.84%3.57%3.62%-4 bps
Efficiency Ratio81.85%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 / Loans0.72%0.73%0.64%0.51%0.60%-13 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 Capital8.67%8.75%9.01%8.07%8.06%-60 bps
Net Worth / Assets8.67%8.75%9.01%8.07%8.06%-60 bps
Liquidity & Funding
Loans / Shares90.16%85.56%89.92%91.21%93.96%+380 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps