PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Lewis Clark

Lewiston, ID · Charter 68386

NCUA · 5 branches

Q2 2026

$270.4MAssets
$209.5MLoans
$239.4MShares
$29.7MNet 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 0.64%, down 33 bps year over year; NIM at 3.79%.
  • Asset quality: problem loans at 0.62% of loans (0 bps YoY).
  • Capital: net worth / assets of 10.97%, up 61 bps from a year ago.
  • Funding: loans stand at 87.48% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.64%-33 bps YoY

Net Interest Margin (quarter, annualized)

3.79%-7 bps YoY

Efficiency Ratio (quarter, annualized)

82.03%+467 bps YoY

Net Worth / Assets

10.97%+61 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.97%0.93%0.87%0.51%0.64%-33 bps
Return on Equity9.32%9.36%8.74%5.07%5.82%-350 bps
Net Interest Margin3.86%3.64%3.65%3.66%3.79%-7 bps
Efficiency Ratio77.36%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 / Loans0.62%0.54%0.54%0.48%0.62%0 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 Capital10.36%9.90%9.96%10.11%10.97%+61 bps
Net Worth / Assets10.36%9.90%9.96%10.11%10.97%+61 bps
Liquidity & Funding
Loans / Shares89.05%83.52%82.49%83.42%87.48%-157 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps