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 | |