Nampa, ID · Charter 97073
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.75% | 0.59% | 0.47% | 0.02% | 0.27% | -48 bps | |
| Return on Equity | 9.03% | 6.98% | 5.64% | 0.25% | 3.25% | -578 bps | |
| Net Interest Margin | 2.91% | 2.96% | 2.90% | 3.05% | 3.09% | +18 bps | |
| Efficiency Ratio | 67.89% | 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 / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.33% | 8.51% | 8.31% | 8.28% | 8.33% | 0 bps | |
| Net Worth / Assets | 8.33% | 8.51% | 8.31% | 8.28% | 8.33% | 0 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |