Moscow, ID · Charter 97102
NCUA · 4 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
38
Asset Quality
57
Profitability
72
Liquidity
78
Efficiency
90
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.
Moscow, ID · Charter 97102
NCUA · 4 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 | 1.65% | 1.62% | 1.73% | 1.76% | 1.82% | 1.61% | 1.59% | 1.64% | -12 bps | |
| Return on Equity | 17.34% | 16.45% | 16.94% | 16.50% | 16.49% | 14.32% | 14.07% | 14.11% | -239 bps | |
| Net Interest Margin | 3.37% | 3.40% | 3.44% | 3.51% | 3.54% | 3.56% | 3.42% | 3.46% | -5 bps | |
| Efficiency Ratio | 57.83% | 58.79% | 56.94% | 56.20% | 54.96% | 57.22% | 59.03% | 58.91% | +272 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.65% | 3.76% | 4.26% | 3.95% | 2.30% | 2.41% | 4.62% | 5.48% | +153 bps | |
| Loan Growth (YoY) | -0.51% | 0.71% | 4.25% | 8.17% | 9.03% | 8.81% | 3.76% | 2.95% | -521 bps | |
| Share Growth (YoY) | -1.52% | 2.38% | 2.78% | 2.31% | 0.49% | 0.55% | 3.01% | 4.11% | +180 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.42% | 0.53% | 0.43% | 0.48% | 0.48% | 0.55% | 0.46% | 0.54% | +6 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 | 9.52% | 9.87% | 10.20% | 10.66% | 11.06% | 11.25% | 11.29% | 11.65% | +98 bps | |
| Net Worth / Assets | 9.52% | 9.87% | 10.20% | 10.66% | 11.06% | 11.25% | 11.29% | 11.65% | +98 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.87% | 59.16% | 60.88% | 63.44% | 63.87% | 64.02% | 61.32% | 62.74% | -71 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Moscow, ID · Charter 97102 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
1.64%
Rank 186 of 1,683
Net Interest Margin
3.47%
Rank 1,147 of 1,683
Efficiency Ratio
58.90%
Rank 173 of 1,682
Equity / Assets
11.65%
Rank 1,051 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.64% | 0.35% | 0.74% | 1.18% | Beats 89% | 186 / 1,683 | ||
| Return on Equity | 14.10% | 2.67% | 5.89% | 8.74% | Beats 96% | 66 / 1,681 | ||
| Net Interest Margin | 3.47% | 3.31% | 3.82% | 4.32% | Beats 32% | 1,147 / 1,683 | ||
| Efficiency Ratio | 58.90% | 68.91% | 78.20% | 86.93% | Beats 90% | 173 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.54% | 0.26% | 0.65% | 1.29% | Beats 57% | 729 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.65% | 10.44% | 12.89% | 16.53% | Beats 38% | 1,051 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.65% | 10.44% | 12.89% | 16.53% | Beats 38% | 1,051 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 62.74% | 52.61% | 69.38% | 83.50% | 39th pctl | 1,026 / 1,683 | ||
| Loans / Assets | 55.61% | 44.71% | 59.18% | 70.72% | 43rd pctl | 966 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||