PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Advantage Plus

Pocatello, ID · Charter 8428

NCUA · 8 branches

Q2 2026

$292.4MAssets
$241.6MLoans
$263.7MShares
$28.2MNet 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 0.47%, down 62 bps year over year; NIM at 3.76%.
  • Asset quality: problem loans at 0.36% of loans (+14 bps YoY).
  • Capital: net worth / assets of 9.65%, down 28 bps from a year ago.
  • Funding: loans stand at 91.61% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.47%-62 bps YoY

Net Interest Margin (YTD, annualized)

3.76%+10 bps YoY

Efficiency Ratio (YTD, annualized)

89.74%+955 bps YoY

Net Worth / Assets

9.65%-28 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.09%1.02%0.74%0.57%0.47%-62 bps
Return on Equity10.99%10.04%7.57%5.95%4.85%-614 bps
Net Interest Margin3.66%3.79%3.72%3.71%3.76%+10 bps
Efficiency Ratio80.19%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 / Loans0.22%0.44%0.52%0.25%0.36%+14 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 Capital9.92%10.19%9.81%9.65%9.65%-28 bps
Net Worth / Assets9.92%10.19%9.81%9.65%9.65%-28 bps
Liquidity & Funding
Loans / Shares90.73%93.44%91.60%90.61%91.61%+89 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps