Mountain Home, ID · Charter 9247
NCUA · 16 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 | 0.49% | 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 | |