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 | |