PackageTrendsPeer
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Northwest Christian

Nampa, ID · Charter 97073

NCUA · 2 branches

Q2 2026

$105.6MAssets
$50.5MLoans
$96.0MShares
$8.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.27%, down 48 bps year over year; NIM at 3.09%.
  • Asset quality: problem loans at 0.80% of loans (+10 bps YoY).
  • Capital: net worth / assets of 8.33%, unchanged from a year ago.
  • Funding: loans stand at 52.59% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.27%-48 bps YoY

Net Interest Margin (YTD, annualized)

3.09%+18 bps YoY

Efficiency Ratio (YTD, annualized)

84.46%+1,657 bps YoY

Net Worth / Assets

8.33%0 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.75%0.59%0.47%0.02%0.27%-48 bps
Return on Equity9.03%6.98%5.64%0.25%3.25%-578 bps
Net Interest Margin2.91%2.96%2.90%3.05%3.09%+18 bps
Efficiency Ratio67.89%75.42%79.28%89.72%84.46%+1,657 bps
Growth
Asset Growth (YoY)3.34%-2.01%0.81%1.86%2.93%-41 bps
Loan Growth (YoY)-8.05%-4.97%-7.97%-3.84%-6.59%+146 bps
Share Growth (YoY)3.54%-2.59%0.23%1.65%3.18%-36 bps
Asset Quality
Delinquent Loans / Loans0.70%0.72%0.93%0.67%0.80%+10 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.33%8.51%8.31%8.28%8.33%0 bps
Net Worth / Assets8.33%8.51%8.31%8.28%8.33%0 bps
Liquidity & Funding
Loans / Shares58.09%58.67%55.15%55.33%52.59%-550 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps