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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |