Seattle, WA · Charter 16178
NCUA · 1 branch
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 in the Seattle-Tacoma-Bellevue, WA area (n=22). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
55
Asset Quality
41
Profitability
49
Liquidity
86
Efficiency
36
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.
Seattle, WA · Charter 16178
NCUA · 1 branch
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 | 1.08% | 1.10% | 1.16% | 0.48% | 0.50% | 0.58% | 0.68% | 0.33% | -16 bps | |
| Return on Equity | 8.39% | 8.48% | 8.73% | 3.63% | 3.78% | 4.37% | 5.09% | 2.42% | -120 bps | |
| Net Interest Margin | 4.11% | 4.10% | 4.23% | 4.21% | 4.17% | 4.07% | 3.89% | 3.89% | -33 bps | |
| Efficiency Ratio | 76.19% | 73.80% | 77.66% | 77.65% | 79.48% | 77.79% | 80.38% | 83.81% | +616 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.19% | 1.76% | -3.92% | -2.16% | 1.50% | 2.15% | 2.69% | 2.55% | +471 bps | |
| Loan Growth (YoY) | -2.53% | -4.19% | -1.76% | -1.01% | -2.78% | -1.11% | -3.13% | -2.92% | -191 bps | |
| Share Growth (YoY) | 1.61% | 0.35% | 0.21% | -1.31% | 0.28% | 0.52% | 1.38% | 1.76% | +307 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.50% | 0.29% | 0.51% | 0.45% | 1.38% | 1.58% | 0.86% | 0.94% | +49 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 | 12.84% | 12.93% | 13.33% | 13.31% | 13.33% | 13.24% | 13.45% | 13.49% | +18 bps | |
| Net Worth / Assets | 12.84% | 12.93% | 13.33% | 13.31% | 13.33% | 13.24% | 13.45% | 13.49% | +18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.06% | 64.13% | 65.55% | 65.58% | 64.05% | 63.09% | 62.63% | 62.56% | -301 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Seattle, WA · Charter 16178 · Peer group: credit unions under $1B in assets in the Seattle-Tacoma-Bellevue, WA area (n=22)
NCUA · 1 branch
Q2 2026
Return on Assets
0.33%
Rank 13 of 22
Net Interest Margin
3.88%
Rank 8 of 22
Efficiency Ratio
83.81%
Rank 15 of 22
Equity / Assets
13.49%
Rank 10 of 22
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.33% | 0.11% | 0.57% | 0.99% | Beats 41% | 13 / 22 | ||
| Return on Equity | 2.42% | 0.85% | 3.93% | 5.70% | Beats 41% | 13 / 22 | ||
| Net Interest Margin | 3.88% | 3.17% | 3.57% | 4.25% | Beats 64% | 8 / 22 | ||
| Efficiency Ratio | 83.81% | 65.75% | 80.47% | 91.31% | Beats 36% | 15 / 22 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.94% | 0.34% | 0.86% | 1.42% | Beats 41% | 14 / 22 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.49% | 10.62% | 13.36% | 14.42% | Beats 55% | 10 / 22 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.49% | 10.62% | 13.36% | 14.42% | Beats 55% | 10 / 22 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 62.56% | 61.01% | 65.58% | 83.83% | 27th pctl | 16 / 22 | ||
| Loans / Assets | 54.82% | 47.64% | 55.55% | 72.11% | 36th pctl | 14 / 22 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||