Nampa, ID · Charter 97073
NCUA · 2 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
5
Asset Quality
43
Profitability
23
Liquidity
45
Efficiency
31
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.
Nampa, ID · Charter 97073
NCUA · 2 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 | -0.34% | -0.43% | 0.35% | 0.75% | 0.59% | 0.47% | 0.02% | 0.27% | -48 bps | |
| Return on Equity | -4.17% | -5.46% | 4.32% | 9.03% | 6.98% | 5.64% | 0.25% | 3.25% | -578 bps | |
| Net Interest Margin | 2.82% | 2.84% | 2.89% | 2.91% | 2.96% | 2.90% | 3.05% | 3.09% | +18 bps | |
| Efficiency Ratio | 91.73% | 97.80% | 80.45% | 67.89% | 75.42% | 79.28% | 89.72% | 84.46% | +1,657 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.54% | 4.17% | 4.10% | 3.34% | -2.01% | 0.81% | 1.86% | 2.93% | -41 bps | |
| Loan Growth (YoY) | -6.89% | -8.95% | -6.89% | -8.05% | -4.97% | -7.97% | -3.84% | -6.59% | +146 bps | |
| Share Growth (YoY) | 2.33% | 4.52% | 4.61% | 3.54% | -2.59% | 0.23% | 1.65% | 3.18% | -36 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.03% | 0.86% | 0.69% | 0.70% | 0.72% | 0.93% | 0.67% | 0.80% | +10 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 | 8.08% | 7.90% | 8.04% | 8.33% | 8.51% | 8.31% | 8.28% | 8.33% | 0 bps | |
| Net Worth / Assets | 8.08% | 7.90% | 8.04% | 8.33% | 8.51% | 8.31% | 8.28% | 8.33% | 0 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.14% | 60.06% | 58.48% | 58.09% | 58.67% | 55.15% | 55.33% | 52.59% | -550 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Nampa, ID · Charter 97073 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.27%
Rank 1,333 of 1,683
Net Interest Margin
3.09%
Rank 1,396 of 1,683
Efficiency Ratio
84.46%
Rank 1,163 of 1,682
Equity / Assets
8.33%
Rank 1,595 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.27% | 0.35% | 0.74% | 1.18% | Beats 21% | 1,333 / 1,683 | ||
| Return on Equity | 3.25% | 2.67% | 5.89% | 8.74% | Beats 30% | 1,183 / 1,681 | ||
| Net Interest Margin | 3.09% | 3.31% | 3.82% | 4.32% | Beats 17% | 1,396 / 1,683 | ||
| Efficiency Ratio | 84.46% | 68.91% | 78.20% | 86.93% | Beats 31% | 1,163 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.80% | 0.26% | 0.65% | 1.29% | Beats 43% | 962 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.33% | 10.44% | 12.89% | 16.53% | Beats 5% | 1,595 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.33% | 10.44% | 12.89% | 16.53% | Beats 5% | 1,595 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 52.59% | 52.61% | 69.38% | 83.50% | 25th pctl | 1,264 / 1,683 | ||
| Loans / Assets | 47.80% | 44.71% | 59.18% | 70.72% | 30th pctl | 1,174 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||