Pocatello, ID · Charter 7776
NCUA · 7 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
2
Asset Quality
24
Profitability
49
Liquidity
73
Efficiency
27
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.
Pocatello, ID · Charter 7776
NCUA · 7 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.24% | -0.37% | -0.04% | 0.57% | 0.46% | 0.73% | 0.63% | 0.40% | -17 bps | |
| Return on Equity | -3.69% | -5.61% | -0.52% | 7.89% | 6.28% | 9.79% | 8.52% | 5.47% | -242 bps | |
| Net Interest Margin | 3.24% | 3.38% | 3.53% | 3.71% | 3.83% | 3.84% | 4.87% | 4.30% | +59 bps | |
| Efficiency Ratio | 96.49% | 97.92% | 94.43% | 85.56% | 87.20% | 84.03% | 78.22% | 86.07% | +51 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.19% | -9.34% | -8.65% | -9.77% | -8.19% | -1.89% | 3.21% | 7.66% | +1,743 bps | |
| Loan Growth (YoY) | -8.74% | -9.15% | -9.35% | -10.44% | -6.13% | -0.54% | 2.64% | 4.88% | +1,532 bps | |
| Share Growth (YoY) | 1.32% | 1.38% | -0.39% | 0.21% | -1.46% | -0.91% | 3.26% | 4.84% | +463 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.59% | 0.88% | 0.91% | 1.02% | 0.94% | 1.26% | 1.29% | 1.36% | +34 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.62% | 6.68% | 6.77% | 7.25% | 7.32% | 7.50% | 7.39% | 7.33% | +8 bps | |
| Net Worth / Assets | 6.62% | 6.68% | 6.77% | 7.25% | 7.32% | 7.50% | 7.39% | 7.33% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.57% | 79.44% | 78.25% | 75.40% | 75.79% | 79.73% | 77.77% | 75.43% | +3 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pocatello, ID · Charter 7776 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 7 branches
Q2 2026
Return on Assets
0.40%
Rank 1,226 of 1,683
Net Interest Margin
4.30%
Rank 432 of 1,683
Efficiency Ratio
86.07%
Rank 1,227 of 1,682
Equity / Assets
7.33%
Rank 1,656 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.40% | 0.35% | 0.74% | 1.18% | Beats 27% | 1,226 / 1,683 | ||
| Return on Equity | 5.47% | 2.67% | 5.89% | 8.74% | Beats 46% | 904 / 1,681 | ||
| Net Interest Margin | 4.30% | 3.31% | 3.82% | 4.32% | Beats 74% | 432 / 1,683 | ||
| Efficiency Ratio | 86.07% | 68.91% | 78.20% | 86.93% | Beats 27% | 1,227 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.36% | 0.26% | 0.65% | 1.29% | Beats 24% | 1,287 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 7.33% | 10.44% | 12.89% | 16.53% | Beats 2% | 1,656 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 7.33% | 10.44% | 12.89% | 16.53% | Beats 2% | 1,656 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 75.43% | 52.61% | 69.38% | 83.50% | 61st pctl | 664 / 1,683 | ||
| Loans / Assets | 67.72% | 44.71% | 59.18% | 70.72% | 69th pctl | 530 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||