Spokane, WA · Charter 11162
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
11
Asset Quality
41
Profitability
33
Liquidity
0
Efficiency
22
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.
Spokane, WA · Charter 11162
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 | 0.33% | 0.38% | 0.47% | 0.14% | 0.17% | 0.10% | -0.53% | -0.18% | -32 bps | |
| Return on Equity | 3.90% | 4.47% | 5.54% | 1.61% | 1.94% | 1.11% | -5.95% | -2.01% | -362 bps | |
| Net Interest Margin | 4.07% | 4.09% | 4.13% | 4.12% | 4.33% | 4.29% | 4.46% | 4.55% | +43 bps | |
| Efficiency Ratio | 76.69% | 76.83% | 80.08% | 80.99% | 80.24% | 81.85% | 88.89% | 88.30% | +731 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.55% | -1.70% | -0.60% | 1.81% | -2.35% | -2.10% | -6.64% | -6.96% | -878 bps | |
| Loan Growth (YoY) | -5.15% | -5.42% | -8.06% | -6.44% | -5.12% | -5.57% | 1.35% | 2.61% | +904 bps | |
| Share Growth (YoY) | 2.84% | 2.30% | 3.77% | 4.17% | 1.43% | 3.47% | 1.07% | 0.89% | -328 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.18% | 1.18% | 0.89% | 1.30% | 1.62% | 1.36% | 1.15% | 0.86% | -44 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 | 8.45% | 8.49% | 8.55% | 8.48% | 8.88% | 8.73% | 8.96% | 9.01% | +53 bps | |
| Net Worth / Assets | 8.45% | 8.49% | 8.55% | 8.48% | 8.88% | 8.73% | 8.96% | 9.01% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.47% | 96.49% | 90.45% | 90.50% | 91.18% | 88.06% | 90.71% | 92.04% | +154 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Spokane, WA · Charter 11162 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
-0.18%
Rank 1,532 of 1,683
Net Interest Margin
4.54%
Rank 305 of 1,683
Efficiency Ratio
88.29%
Rank 1,316 of 1,682
Equity / Assets
9.01%
Rank 1,505 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.18% | 0.35% | 0.74% | 1.18% | Beats 9% | 1,532 / 1,683 | ||
| Return on Equity | -2.01% | 2.67% | 5.89% | 8.74% | Beats 8% | 1,553 / 1,681 | ||
| Net Interest Margin | 4.54% | 3.31% | 3.82% | 4.32% | Beats 82% | 305 / 1,683 | ||
| Efficiency Ratio | 88.29% | 68.91% | 78.20% | 86.93% | Beats 22% | 1,316 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.86% | 0.26% | 0.65% | 1.29% | Beats 41% | 1,002 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.01% | 10.44% | 12.89% | 16.53% | Beats 11% | 1,505 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.01% | 10.44% | 12.89% | 16.53% | Beats 11% | 1,505 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 92.04% | 52.61% | 69.38% | 83.50% | 90th pctl | 172 / 1,683 | ||
| Loans / Assets | 82.12% | 44.71% | 59.18% | 70.72% | 94th pctl | 96 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||