Lewiston, ID · Charter 68386
NCUA · 5 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 | 0.97% | 0.93% | 0.87% | 0.51% | 0.64% | -33 bps | |
| Return on Equity | 9.32% | 9.36% | 8.74% | 5.07% | 5.82% | -350 bps | |
| Net Interest Margin | 3.86% | 3.64% | 3.65% | 3.66% | 3.79% | -7 bps | |
| Efficiency Ratio | 77.36% | 76.36% | 77.51% | 85.18% | 82.03% | +467 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.21% | 9.54% | 10.55% | 9.24% | 6.13% | +192 bps | |
| Loan Growth (YoY) | 4.93% | 5.66% | 7.58% | 5.41% | 3.80% | -113 bps | |
| Share Growth (YoY) | 6.23% | 12.82% | 13.27% | 9.30% | 5.66% | -57 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.62% | 0.54% | 0.54% | 0.48% | 0.62% | 0 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 | 10.36% | 9.90% | 9.96% | 10.11% | 10.97% | +61 bps | |
| Net Worth / Assets | 10.36% | 9.90% | 9.96% | 10.11% | 10.97% | +61 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.05% | 83.52% | 82.49% | 83.42% | 87.48% | -157 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |