Moscow, ID · Charter 97102
NCUA · 4 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.76% | 1.82% | 1.61% | 1.59% | 1.64% | -12 bps | |
| Return on Equity | 16.50% | 16.49% | 14.32% | 14.07% | 14.11% | -239 bps | |
| Net Interest Margin | 3.51% | 3.54% | 3.56% | 3.42% | 3.46% | -5 bps | |
| Efficiency Ratio | 56.20% | 54.96% | 57.22% | 59.03% | 58.91% | +272 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.95% | 2.30% | 2.41% | 4.62% | 5.48% | +153 bps | |
| Loan Growth (YoY) | 8.17% | 9.03% | 8.81% | 3.76% | 2.95% | -521 bps | |
| Share Growth (YoY) | 2.31% | 0.49% | 0.55% | 3.01% | 4.11% | +180 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.66% | 11.06% | 11.25% | 11.29% | 11.65% | +98 bps | |
| Net Worth / Assets | 10.66% | 11.06% | 11.25% | 11.29% | 11.65% | +98 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |