Everett, WA · Charter 1788
NCUA · 2 branches
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
5
Asset Quality
91
Profitability
26
Liquidity
0
Efficiency
32
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.
Everett, WA · Charter 1788
NCUA · 2 branches
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 | -0.45% | -0.26% | -0.09% | -0.17% | 0.12% | +57 bps | |
| Return on Equity | -5.12% | -2.91% | -0.97% | -2.02% | 1.36% | +649 bps | |
| Net Interest Margin | 2.96% | 3.09% | 3.11% | 2.88% | 3.17% | +21 bps | |
| Efficiency Ratio | 86.82% | 85.36% | 85.60% | 89.60% | 86.05% | -77 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.12% | 3.15% | 4.12% | 8.39% | 2.89% | -123 bps | |
| Loan Growth (YoY) | -17.20% | -15.71% | -14.56% | -14.47% | -14.87% | +233 bps | |
| Share Growth (YoY) | 4.95% | 3.29% | 4.52% | 8.56% | 2.98% | -197 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.47% | 0.39% | 0.53% | 0.51% | 0.12% | -35 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 | 8.82% | 8.94% | 9.06% | 8.30% | 8.76% | -5 bps | |
| Net Worth / Assets | 8.82% | 8.94% | 9.06% | 8.30% | 8.76% | -5 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.43% | 58.26% | 55.73% | 48.15% | 48.30% | -1,013 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Everett, WA · Charter 1788 · Peer group: credit unions under $1B in assets in the Seattle-Tacoma-Bellevue, WA area (n=22)
NCUA · 2 branches
Q2 2026
Return on Assets
0.12%
Rank 16 of 22
Net Interest Margin
3.17%
Rank 17 of 22
Efficiency Ratio
86.11%
Rank 16 of 22
Equity / Assets
8.76%
Rank 21 of 22
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.12% | 0.11% | 0.57% | 0.99% | Beats 27% | 16 / 22 | |
| Return on Equity | 1.38% | 0.85% | 3.93% | 5.70% | Beats 27% | 16 / 22 | |
| Net Interest Margin | 3.17% | 3.17% | 3.57% | 4.25% | Beats 23% | 17 / 22 | |
| Efficiency Ratio | 86.11% | 65.75% | 80.47% | 91.31% | Beats 32% | 16 / 22 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.12% | 0.34% | 0.86% | 1.42% | Beats 91% | 3 / 22 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.76% | 10.62% | 13.36% | 14.42% | Beats 5% | 21 / 22 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.76% | 10.62% | 13.36% | 14.42% | Beats 5% | 21 / 22 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 48.30% | 61.01% | 65.58% | 83.83% | 9th pctl | 20 / 22 | |
| Loans / Assets | 43.43% | 47.64% | 55.55% | 72.11% | 14th pctl | 19 / 22 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||