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Idaho Falls, ID · Charter 82547

NCUA · 1 branch

Q2 2026

$62.9MAssets
$41.7MLoans
$50.0MShares
$13.1MNet 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 2.50%, up 14 bps year over year; NIM at 4.97%.
  • Asset quality: problem loans at 1.01% of loans (-21 bps YoY).
  • Capital: net worth / assets of 20.74%, down 34 bps from a year ago.
  • Funding: loans stand at 83.34% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

2.50%+14 bps YoY

Net Interest Margin (quarter, annualized)

4.97%-87 bps YoY

Efficiency Ratio (quarter, annualized)

40.77%+81 bps YoY

Net Worth / Assets

20.74%-34 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.36%2.40%2.20%2.82%2.50%+14 bps
Return on Equity11.19%11.15%10.45%13.40%12.06%+87 bps
Net Interest Margin5.84%5.80%5.50%5.02%4.97%-87 bps
Efficiency Ratio39.96%40.31%41.03%42.45%40.77%+81 bps
Growth
Asset Growth (YoY)2.25%1.92%4.46%6.92%14.00%+1,175 bps
Loan Growth (YoY)-0.61%5.23%12.13%13.27%12.85%+1,346 bps
Share Growth (YoY)-0.30%-0.63%2.69%5.73%14.72%+1,502 bps
Asset Quality
Delinquent Loans / Loans1.22%0.74%1.15%1.18%1.01%-21 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 Capital21.07%21.51%21.09%21.04%20.74%-34 bps
Net Worth / Assets21.07%21.51%21.09%21.04%20.74%-34 bps
Liquidity & Funding
Loans / Shares84.72%88.84%89.08%85.92%83.34%-138 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps