PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

St Joe Valley

St Maries, ID · Charter 97066

NCUA · 1 branch

Q2 2026

$14.0MAssets
$6.7MLoans
$12.3MShares
$1.6MNet Worth

Executive Summary

  • Earnings: ROA of 1.45%, down 1 bps year over year; NIM at 4.39%.
  • Asset quality: problem loans at 0.59% of loans (+10 bps YoY).
  • Capital: net worth / assets of 11.62%, up 67 bps from a year ago.
  • Funding: loans stand at 54.30% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.45%-1 bps YoY

Net Interest Margin (YTD, annualized)

4.39%+5 bps YoY

Efficiency Ratio (YTD, annualized)

68.09%-113 bps YoY

Net Worth / Assets

11.62%+67 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.33%1.42%1.14%1.46%1.49%1.47%1.50%1.45%-1 bps
Return on Equity13.84%14.15%10.93%13.33%13.48%13.43%13.17%12.45%-88 bps
Net Interest Margin4.33%4.37%4.20%4.35%4.31%4.20%4.37%4.39%+5 bps
Efficiency Ratio66.70%66.34%75.18%69.22%67.92%67.17%68.48%68.09%-113 bps
Growth
Asset Growth (YoY)0.07%3.30%0.52%1.73%1.12%5.88%6.23%8.41%+668 bps
Loan Growth (YoY)-6.38%-8.36%-10.24%-10.57%-9.88%-4.03%0.60%6.89%+1,746 bps
Share Growth (YoY)-0.82%1.70%-1.56%-0.35%0.29%5.79%5.72%7.96%+830 bps
Asset Quality
Delinquent Loans / Loans0.62%0.43%0.51%0.49%0.84%0.39%0.44%0.59%+10 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.62%10.03%10.40%10.95%11.05%10.94%11.38%11.62%+67 bps
Net Worth / Assets9.62%10.03%10.40%10.95%11.05%10.94%11.38%11.62%+67 bps
Liquidity & Funding
Loans / Shares57.84%55.12%55.32%54.84%51.97%50.01%52.64%54.30%-54 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps