Twin Falls, ID · Charter 8749
NCUA · 1 branch
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
70
Asset Quality
83
Profitability
57
Liquidity
0
Efficiency
41
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.
Twin Falls, ID · Charter 8749
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.43% | 0.21% | 0.02% | 0.18% | 0.53% | 0.67% | 0.98% | 0.78% | +61 bps | |
| Return on Equity | 2.80% | 1.40% | 0.16% | 1.30% | 3.38% | 4.64% | 6.34% | 5.08% | +377 bps | |
| Net Interest Margin | 3.99% | 3.93% | 3.67% | 3.61% | 4.32% | 3.96% | 4.31% | 4.34% | +74 bps | |
| Efficiency Ratio | 84.50% | 85.98% | 91.54% | 88.19% | 83.66% | 82.23% | 81.33% | 81.41% | -678 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.68% | 2.70% | 5.16% | 9.30% | -0.28% | 7.69% | -3.24% | -6.64% | -1,595 bps | |
| Loan Growth (YoY) | 2.04% | 0.90% | 0.33% | 7.59% | 8.65% | 6.85% | 9.60% | 5.84% | -175 bps | |
| Share Growth (YoY) | -4.21% | 2.68% | 6.17% | 11.09% | -0.21% | 8.67% | -4.83% | -9.13% | -2,022 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.61% | 0.23% | 0.17% | 0.37% | 0.51% | 0.47% | 0.35% | 0.15% | -22 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 | 15.27% | 14.77% | 14.04% | 13.52% | 15.56% | 14.35% | 15.42% | 15.44% | +192 bps | |
| Net Worth / Assets | 15.27% | 14.77% | 14.04% | 13.52% | 15.56% | 14.35% | 15.42% | 15.44% | +192 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 100.86% | 99.61% | 92.32% | 93.20% | 109.81% | 97.93% | 106.32% | 108.55% | +1,535 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Twin Falls, ID · Charter 8749 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.79%
Rank 793 of 1,683
Net Interest Margin
4.35%
Rank 403 of 1,683
Efficiency Ratio
81.36%
Rank 1,001 of 1,682
Equity / Assets
15.44%
Rank 506 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.79% | 0.35% | 0.74% | 1.18% | Beats 53% | 793 / 1,683 | ||
| Return on Equity | 5.09% | 2.67% | 5.89% | 8.74% | Beats 43% | 951 / 1,681 | ||
| Net Interest Margin | 4.35% | 3.31% | 3.82% | 4.32% | Beats 76% | 403 / 1,683 | ||
| Efficiency Ratio | 81.36% | 68.91% | 78.20% | 86.93% | Beats 41% | 1,001 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.15% | 0.26% | 0.65% | 1.29% | Beats 83% | 288 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.44% | 10.44% | 12.89% | 16.53% | Beats 70% | 506 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.44% | 10.44% | 12.89% | 16.53% | Beats 70% | 506 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 108.55% | 52.61% | 69.38% | 83.50% | 99th pctl | 23 / 1,683 | ||
| Loans / Assets | 90.74% | 44.71% | 59.18% | 70.72% | 100th pctl | 8 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||