Hoquiam, WA · Charter 16893
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 | 0.43% | 0.57% | -1.80% | -0.79% | -0.27% | 0.21% | 0.51% | 0.91% | +170 bps | |
| Return on Equity | 2.49% | 3.17% | -10.49% | -4.32% | -1.42% | 1.11% | 2.61% | 4.53% | +885 bps | |
| Net Interest Margin | 5.40% | 5.61% | 5.53% | 5.88% | 6.04% | 6.09% | 5.95% | 6.16% | +28 bps | |
| Efficiency Ratio | 77.30% | 80.46% | 88.18% | 93.03% | 90.19% | 86.58% | 83.72% | 80.32% | -1,270 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.85% | -7.67% | -4.91% | -9.70% | -11.17% | -7.73% | -9.65% | -5.82% | +389 bps | |
| Loan Growth (YoY) | 2.27% | -2.46% | -5.55% | -3.32% | -2.12% | 0.07% | 4.20% | 3.65% | +697 bps | |
| Share Growth (YoY) | -0.45% | -9.88% | -6.03% | -11.76% | -14.21% | -10.14% | -11.54% | -7.19% | +457 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.38% | 1.65% | 0.38% | 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 | 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 | 17.21% | 17.93% | 17.17% | 18.24% | 18.90% | 19.39% | 19.59% | 20.20% | +196 bps | |
| Net Worth / Assets | 17.21% | 17.93% | 17.17% | 18.24% | 18.90% | 19.39% | 19.59% | 20.20% | +196 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.76% | 96.49% | 91.78% | 99.58% | 106.97% | 107.44% | 108.10% | 111.21% | +1,163 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 99.92% | 0.00% | 0.00% | 99.18% | 99.22% | 0.00% | 0 bps | |