No peer data.
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $14.95B | $13.28B | $12.99B | $1.24B | $39.5M | 1.06% | 2.85% | 0.43% | 788,996 |
| Q4 2025 | $14.76B | $12.71B | $12.77B | $1.20B | $144.4M | 0.98% | 2.67% | 0.45% | 769,306 |
| Q3 2025 | $13.90B | $12.28B | $12.11B | $1.17B | $109.1M | 1.05% | 2.76% | 0.39% | 750,520 |
| Q2 2025 | $13.27B | $11.86B | $11.49B | $1.12B | $60.8M | 0.92% | 2.79% | 0.38% | 728,938 |
| Q1 2025 | $12.89B | $11.40B | $11.12B | $1.08B | $26.2M | 0.81% | 2.73% | 0.41% | 708,466 |
| Q4 2024 | $12.12B | $10.48B | $10.50B | $1.05B | $113.3M | 0.94% | 2.55% | 0.43% | 671,689 |
| Q3 2024 | $11.70B | $10.16B | $10.14B | $1.03B | $87.2M | 0.99% | 2.57% | 0.42% | 656,539 |
| Q2 2024 | $11.45B | $9.89B | $9.91B | $987.6M | $49.2M | 0.86% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.06% | 0.77% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 12.8% | 7.7% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.85% | 3.08% |
Peer lists, growth filters, CSV export, CRM push.
| 2.55% |
| 0.42% |
| 638,670 |
Loan mix (Q1 2026): real estate $5.56B · commercial $1.86B · consumer $5.18B · securities $197.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.5% | 62.8% | 57th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
63 branches in 19 counties across 3 states (+6 vs 2024). Biggest market: Ada, ID, ranked 1st with 18.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Ada, ID | 22 | $4.14B* | 18.08% | 1st |
| Spokane, WA | 6 | $1.13B* | 5.01% | 7th |
| Canyon, ID | 6 | $1.13B* | 23.18% | 1st |
| 16 more counties with Pro → | ||||
Idaho: 1st with 16.26% · Washington: 36th with 0.38% · Arizona: 45th with 0.15% · Boise City metro: 1st, 18.71% · Spokane-Spokane Valley metro: 7th, 4.86% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 46 · 2023 52 · 2024 57 · 2025 63