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Pocatello, ID · Charter 7776

NCUA · 7 branches

Q2 2026

$313.7MAssets
$212.4MLoans
$281.6MShares
$23.0MNet 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 0.40%, down 17 bps year over year; NIM at 4.30%.
  • Asset quality: problem loans at 1.36% of loans (+34 bps YoY).
  • Capital: net worth / assets of 7.33%, up 8 bps from a year ago.
  • Funding: loans stand at 75.43% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.40%-17 bps YoY

Net Interest Margin (quarter, annualized)

4.30%+59 bps YoY

Efficiency Ratio (quarter, annualized)

86.07%+51 bps YoY

Net Worth / Assets

7.33%+8 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.57%0.46%0.73%0.63%0.40%-17 bps
Return on Equity7.89%6.28%9.79%8.52%5.47%-242 bps
Net Interest Margin3.71%3.83%3.84%4.87%4.30%+59 bps
Efficiency Ratio85.56%87.20%84.03%78.22%86.07%+51 bps
Growth
Asset Growth (YoY)-9.77%-8.19%-1.89%3.21%7.66%+1,743 bps
Loan Growth (YoY)-10.44%-6.13%-0.54%2.64%4.88%+1,532 bps
Share Growth (YoY)0.21%-1.46%-0.91%3.26%4.84%+463 bps
Asset Quality
Delinquent Loans / Loans1.02%0.94%1.26%1.29%1.36%+34 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 Capital7.25%7.32%7.50%7.39%7.33%+8 bps
Net Worth / Assets7.25%7.32%7.50%7.39%7.33%+8 bps
Liquidity & Funding
Loans / Shares75.40%75.79%79.73%77.77%75.43%+3 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps