PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Snake River

Twin Falls, ID · Charter 8749

NCUA · 1 branch

Q2 2026

$12.0MAssets
$10.9MLoans
$10.0MShares
$1.8MNet 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 0.78%, up 61 bps year over year; NIM at 4.34%.
  • Asset quality: problem loans at 0.15% of loans (-22 bps YoY).
  • Capital: net worth / assets of 15.44%, up 192 bps from a year ago.
  • Funding: loans stand at 108.55% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.78%+61 bps YoY

Net Interest Margin (YTD, annualized)

4.34%+74 bps YoY

Efficiency Ratio (YTD, annualized)

81.41%-678 bps YoY

Net Worth / Assets

15.44%+192 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.18%0.53%0.67%0.98%0.78%+61 bps
Return on Equity1.30%3.38%4.64%6.34%5.08%+377 bps
Net Interest Margin3.61%4.32%3.96%4.31%4.34%+74 bps
Efficiency Ratio88.19%83.66%82.23%81.33%81.41%-678 bps
Growth
Asset Growth (YoY)9.30%-0.28%7.69%-3.24%-6.64%-1,595 bps
Loan Growth (YoY)7.59%8.65%6.85%9.60%5.84%-175 bps
Share Growth (YoY)11.09%-0.21%8.67%-4.83%-9.13%-2,022 bps
Asset Quality
Delinquent Loans / Loans0.37%0.51%0.47%0.35%0.15%-22 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 Capital13.52%15.56%14.35%15.42%15.44%+192 bps
Net Worth / Assets13.52%15.56%14.35%15.42%15.44%+192 bps
Liquidity & Funding
Loans / Shares93.20%109.81%97.93%106.32%108.55%+1,535 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps