Hoquiam, WA · Charter 16893
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 (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
87
Asset Quality
25
Profitability
66
Liquidity
0
Efficiency
44
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.
Hoquiam, WA · Charter 16893
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.79% | -0.27% | 0.21% | 0.51% | 0.91% | +170 bps | |
| Return on Equity | -4.32% | -1.42% | 1.11% | 2.61% | 4.53% | +885 bps | |
| Net Interest Margin | 5.88% | 6.04% | 6.09% | 5.95% | 6.16% | +28 bps | |
| Efficiency Ratio | 93.03% | 90.19% | 86.58% | 83.72% | 80.32% | -1,270 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.70% | -11.17% | -7.73% | -9.65% | -5.82% | +389 bps | |
| Loan Growth (YoY) | -3.32% | -2.12% | 0.07% | 4.20% | 3.65% | +697 bps | |
| Share Growth (YoY) | -11.76% | -14.21% | -10.14% | -11.54% | -7.19% | +457 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.04% | 2.91% | 0.42% | 0.34% | 1.30% | -274 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.24% | 18.90% | 19.39% | 19.59% | 20.20% | +196 bps | |
| Net Worth / Assets | 18.24% | 18.90% | 19.39% | 19.59% | 20.20% | +196 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 99.58% | 106.97% | 107.44% | 108.10% | 111.21% | +1,163 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 99.18% | 99.22% | 0.00% | 0 bps | |
Hoquiam, WA · Charter 16893 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.92%
Rank 658 of 1,683
Net Interest Margin
6.16%
Rank 30 of 1,683
Efficiency Ratio
80.21%
Rank 944 of 1,682
Equity / Assets
20.20%
Rank 216 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.92% | 0.35% | 0.74% | 1.18% | Beats 61% | 658 / 1,683 | |
| Return on Equity | 4.55% | 2.67% | 5.89% | 8.74% | Beats 40% | 1,005 / 1,681 | |
| Net Interest Margin | 6.16% | 3.31% | 3.82% | 4.32% | Beats 98% | 30 / 1,683 | |
| Efficiency Ratio | 80.21% | 68.91% | 78.20% | 86.93% | Beats 44% | 944 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.30% | 0.26% | 0.65% | 1.29% | Beats 25% | 1,265 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 20.20% | 10.44% | 12.89% | 16.53% | Beats 87% | 216 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 20.20% | 10.44% | 12.89% | 16.53% | Beats 87% | 216 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 111.21% | 52.61% | 69.38% | 83.50% | 99th pctl | 16 / 1,683 | |
| Loans / Assets | 88.19% | 44.71% | 59.18% | 70.72% | 99th pctl | 13 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||