Mountain Home, ID · Charter 9247
NCUA · 16 branches
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
20
Asset Quality
30
Profitability
36
Liquidity
67
Efficiency
42
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.
Mountain Home, ID · Charter 9247
NCUA · 16 branches
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 | 0.49% | 0.35% | 0.66% | 0.53% | 0.64% | 0.55% | 0.93% | 0.58% | +5 bps | |
| Return on Equity | 5.12% | 3.61% | 6.80% | 5.54% | 6.58% | 5.61% | 9.29% | 5.83% | +29 bps | |
| Net Interest Margin | 2.81% | 2.83% | 2.97% | 3.00% | 3.00% | 3.05% | 3.11% | 3.15% | +15 bps | |
| Efficiency Ratio | 79.09% | 80.87% | 78.62% | 78.84% | 77.95% | 79.51% | 77.59% | 80.91% | +207 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.79% | -4.99% | -5.51% | 1.35% | 4.00% | 3.61% | 3.68% | 2.24% | +89 bps | |
| Loan Growth (YoY) | -5.65% | -3.37% | -2.26% | 1.82% | 2.00% | 0.02% | -1.77% | -1.09% | -290 bps | |
| Share Growth (YoY) | -1.84% | -2.37% | -1.95% | -1.07% | 2.12% | 4.02% | 2.86% | 3.78% | +485 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.67% | 1.59% | 0.97% | 1.51% | 1.50% | 1.74% | 0.99% | 1.08% | -43 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 | 9.64% | 9.60% | 9.72% | 9.62% | 9.72% | 9.82% | 9.99% | 9.98% | +36 bps | |
| Net Worth / Assets | 9.64% | 9.60% | 9.72% | 9.62% | 9.72% | 9.82% | 9.99% | 9.98% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.35% | 80.31% | 78.55% | 80.66% | 78.26% | 77.23% | 75.01% | 76.88% | -378 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Mountain Home, ID · Charter 9247 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 16 branches
Q2 2026
Return on Assets
0.58%
Rank 1,035 of 1,683
Net Interest Margin
3.15%
Rank 1,366 of 1,683
Efficiency Ratio
80.91%
Rank 972 of 1,682
Equity / Assets
9.98%
Rank 1,349 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.58% | 0.35% | 0.74% | 1.18% | Beats 39% | 1,035 / 1,683 | ||
| Return on Equity | 5.83% | 2.67% | 5.89% | 8.74% | Beats 49% | 851 / 1,681 | ||
| Net Interest Margin | 3.15% | 3.31% | 3.82% | 4.32% | Beats 19% | 1,366 / 1,683 | ||
| Efficiency Ratio | 80.91% | 68.91% | 78.20% | 86.93% | Beats 42% | 972 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.08% | 0.26% | 0.65% | 1.29% | Beats 30% | 1,175 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.98% | 10.44% | 12.89% | 16.53% | Beats 20% | 1,349 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.98% | 10.44% | 12.89% | 16.53% | Beats 20% | 1,349 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 76.88% | 52.61% | 69.38% | 83.50% | 63rd pctl | 617 / 1,683 | ||
| Loans / Assets | 69.48% | 44.71% | 59.18% | 70.72% | 72nd pctl | 465 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||