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 | |