Waterfront
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
$93.2MAssets
$51.1MLoans
$81.7MShares
$12.6MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 64% of credit unions under $1B in assets in the Seattle-Tacoma-Bellevue, WA area (rank 8 of 22).
- Widest gap: efficiency ratio trails 64% of credit unions under $1B in assets in the Seattle-Tacoma-Bellevue, WA area (rank 15 of 22).
- Overall: at or above the peer median on 3 of 7 directional measures.
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 | 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 |