Pocatello, ID · Charter 8428
NCUA · 8 branches
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 | 0.98% | 0.78% | 1.26% | 1.09% | 1.02% | 0.74% | 0.57% | 0.47% | -62 bps | |
| Return on Equity | 10.03% | 7.97% | 12.82% | 10.99% | 10.04% | 7.57% | 5.95% | 4.85% | -614 bps | |
| Net Interest Margin | 3.65% | 3.68% | 3.60% | 3.66% | 3.79% | 3.72% | 3.71% | 3.76% | +10 bps | |
| Efficiency Ratio | 79.90% | 83.78% | 76.73% | 80.19% | 81.68% | 85.64% | 86.92% | 89.74% | +955 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.76% | 2.98% | 3.41% | 3.06% | 3.51% | 7.29% | 7.49% | 7.45% | +439 bps | |
| Loan Growth (YoY) | 2.50% | 3.46% | 3.78% | 8.73% | 9.45% | 8.78% | 10.15% | 9.29% | +56 bps | |
| Share Growth (YoY) | 1.82% | 2.91% | 3.36% | 2.73% | 3.11% | 6.80% | 7.70% | 8.23% | +550 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.69% | 0.35% | 0.32% | 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 | 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 | 9.74% | 9.76% | 9.79% | 9.92% | 10.19% | 9.81% | 9.65% | 9.65% | -28 bps | |
| Net Worth / Assets | 9.74% | 9.76% | 9.79% | 9.92% | 10.19% | 9.81% | 9.65% | 9.65% | -28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.02% | 89.94% | 88.59% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |