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 | |