Idaho Falls, ID · Charter 82547
NCUA · 1 branch
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
88
Asset Quality
33
Profitability
94
Liquidity
39
Efficiency
99
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.
Idaho Falls, ID · Charter 82547
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 | 2.71% | 2.60% | 2.43% | 2.36% | 2.40% | 2.20% | 2.82% | 2.50% | +14 bps | |
| Return on Equity | 13.90% | 13.18% | 12.11% | 11.19% | 11.15% | 10.45% | 13.40% | 12.06% | +87 bps | |
| Net Interest Margin | 5.55% | 5.57% | 5.63% | 5.84% | 5.80% | 5.50% | 5.02% | 4.97% | -87 bps | |
| Efficiency Ratio | 39.69% | 39.75% | 38.98% | 39.96% | 40.31% | 41.03% | 42.45% | 40.77% | +81 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.44% | 10.20% | 3.68% | 2.25% | 1.92% | 4.46% | 6.92% | 14.00% | +1,175 bps | |
| Loan Growth (YoY) | 1.19% | -2.55% | -4.60% | -0.61% | 5.23% | 12.13% | 13.27% | 12.85% | +1,346 bps | |
| Share Growth (YoY) | 6.90% | 9.18% | 1.36% | -0.30% | -0.63% | 2.69% | 5.73% | 14.72% | +1,502 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.12% | 0.92% | 1.13% | 1.22% | 0.74% | 1.15% | 1.18% | 1.01% | -21 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 | 19.47% | 19.73% | 20.08% | 21.07% | 21.51% | 21.09% | 21.04% | 20.74% | -34 bps | |
| Net Worth / Assets | 19.47% | 19.73% | 20.08% | 21.07% | 21.51% | 21.09% | 21.04% | 20.74% | -34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.88% | 81.58% | 80.20% | 84.72% | 88.84% | 89.08% | 85.92% | 83.34% | -138 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Idaho Falls, ID · Charter 82547 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
2.50%
Rank 28 of 1,683
Net Interest Margin
4.97%
Rank 150 of 1,683
Efficiency Ratio
40.78%
Rank 20 of 1,682
Equity / Assets
20.74%
Rank 199 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.50% | 0.35% | 0.74% | 1.18% | Beats 98% | 28 / 1,683 | ||
| Return on Equity | 12.06% | 2.67% | 5.89% | 8.74% | Beats 92% | 139 / 1,681 | ||
| Net Interest Margin | 4.97% | 3.31% | 3.82% | 4.32% | Beats 91% | 150 / 1,683 | ||
| Efficiency Ratio | 40.78% | 68.91% | 78.20% | 86.93% | Beats 99% | 20 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.01% | 0.26% | 0.65% | 1.29% | Beats 33% | 1,132 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.74% | 10.44% | 12.89% | 16.53% | Beats 88% | 199 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 20.74% | 10.44% | 12.89% | 16.53% | Beats 88% | 199 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 83.34% | 52.61% | 69.38% | 83.50% | 75th pctl | 427 / 1,683 | ||
| Loans / Assets | 66.19% | 44.71% | 59.18% | 70.72% | 65th pctl | 588 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||