Boise, ID · Charter 82504
NCUA · 1 branch
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 | 0.67% | 0.54% | 0.48% | 0.24% | 0.35% | -32 bps | |
| Return on Equity | 4.27% | 3.41% | 2.97% | 1.50% | 2.09% | -218 bps | |
| Net Interest Margin | 2.61% | 2.62% | 2.74% | 2.63% | 2.82% | +21 bps | |
| Efficiency Ratio | 69.41% | 67.80% | 67.79% | 71.87% | 71.41% | +200 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.01% | 0.40% | -4.14% | -2.11% | -4.00% | -702 bps | |
| Loan Growth (YoY) | 0.43% | -1.84% | 2.33% | -8.01% | -6.02% | -645 bps | |
| Share Growth (YoY) | 2.48% | -0.61% | -5.44% | -2.94% | -5.08% | -756 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.90% | 1.25% | 1.61% | 2.33% | 1.93% | +103 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.99% | 1.23% | 1.18% | 1.36% | 1.46% | +47 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.63% | 15.69% | 16.07% | 16.19% | 16.60% | +97 bps | |
| Net Worth / Assets | 15.63% | 15.69% | 16.07% | 16.19% | 16.60% | +97 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 104.64% | 101.67% | 102.27% | 100.33% | 103.59% | -104 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |