Burley, ID · Charter 82527
NCUA · 1 branch
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 | 0.47% | 0.56% | 0.19% | 0.22% | 0.16% | 0.15% | 0.14% | 0.17% | -5 bps | |
| Return on Equity | 2.86% | 3.25% | 1.12% | 1.29% | 0.99% | 0.87% | 0.86% | 1.10% | -19 bps | |
| Net Interest Margin | 4.76% | 4.92% | 4.68% | 4.26% | 4.05% | 4.06% | 3.82% | 3.41% | -85 bps | |
| Efficiency Ratio | 73.21% | 73.87% | 79.37% | 85.64% | 83.81% | 84.88% | 96.27% | 95.03% | +939 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.61% | -2.24% | -4.80% | -6.78% | 1.30% | 3.81% | 3.57% | 12.36% | +1,914 bps | |
| Loan Growth (YoY) | 8.55% | -0.96% | -8.21% | -15.30% | -14.02% | -13.62% | -11.68% | 8.80% | +2,410 bps | |
| Share Growth (YoY) | -8.39% | -3.46% | -6.39% | -8.70% | 1.18% | 4.42% | 4.20% | 14.89% | +2,360 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.85% | 5.68% | 6.96% | 7.26% | 6.98% | 2.58% | 2.77% | 2.42% | -484 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 | 5.97% | 6.52% | 7.58% | 8.20% | 7.51% | 8.16% | 8.98% | 7.91% | -29 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.34% | 17.18% | 17.06% | 17.22% | 16.44% | 16.69% | 16.61% | 15.43% | -179 bps | |
| Net Worth / Assets | 16.34% | 17.18% | 17.06% | 17.22% | 16.44% | 16.69% | 16.61% | 15.43% | -179 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 116.04% | 113.36% | 99.55% | 92.74% | 98.61% | 93.78% | 84.38% | 87.83% | -492 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |