Idaho Falls, ID · Charter 82547
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |