Pocatello, ID · Charter 8428
NCUA · 8 branches
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
17
Asset Quality
68
Profitability
40
Liquidity
2
Efficiency
18
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.
Pocatello, ID · Charter 8428
NCUA · 8 branches
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 | 1.09% | 1.02% | 0.74% | 0.57% | 0.47% | -62 bps | |
| Return on Equity | 10.99% | 10.04% | 7.57% | 5.95% | 4.85% | -614 bps | |
| Net Interest Margin | 3.66% | 3.79% | 3.72% | 3.71% | 3.76% | +10 bps | |
| Efficiency Ratio | 80.19% | 81.68% | 85.64% | 86.92% | 89.74% | +955 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.06% | 3.51% | 7.29% | 7.49% | 7.45% | +439 bps | |
| Loan Growth (YoY) | 8.73% | 9.45% | 8.78% | 10.15% | 9.29% | +56 bps | |
| Share Growth (YoY) | 2.73% | 3.11% | 6.80% | 7.70% | 8.23% | +550 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.22% | 0.44% | 0.52% | 0.25% | 0.36% | +14 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.92% | 10.19% | 9.81% | 9.65% | 9.65% | -28 bps | |
| Net Worth / Assets | 9.92% | 10.19% | 9.81% | 9.65% | 9.65% | -28 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.73% | 93.44% | 91.60% | 90.61% | 91.61% | +89 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pocatello, ID · Charter 8428 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 8 branches
Q2 2026
Return on Assets
0.47%
Rank 1,169 of 1,683
Net Interest Margin
3.76%
Rank 896 of 1,683
Efficiency Ratio
89.74%
Rank 1,377 of 1,682
Equity / Assets
9.65%
Rank 1,404 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.47% | 0.35% | 0.74% | 1.18% | Beats 31% | 1,169 / 1,683 | |
| Return on Equity | 4.86% | 2.67% | 5.89% | 8.74% | Beats 42% | 967 / 1,681 | |
| Net Interest Margin | 3.76% | 3.31% | 3.82% | 4.32% | Beats 47% | 896 / 1,683 | |
| Efficiency Ratio | 89.74% | 68.91% | 78.20% | 86.93% | Beats 18% | 1,377 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.36% | 0.26% | 0.65% | 1.29% | Beats 68% | 532 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.65% | 10.44% | 12.89% | 16.53% | Beats 17% | 1,404 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.65% | 10.44% | 12.89% | 16.53% | Beats 17% | 1,404 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 91.61% | 52.61% | 69.38% | 83.50% | 89th pctl | 182 / 1,683 | |
| Loans / Assets | 82.62% | 44.71% | 59.18% | 70.72% | 95th pctl | 87 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||