Puyallup, WA · Charter 18068
NCUA · 1 branch
Q3 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2025, the quarter ended September 30, 2025, 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=23). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
35
Asset Quality
87
Profitability
77
Liquidity
0
Efficiency
83
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.
Puyallup, WA · Charter 18068
NCUA · 1 branch
Q3 2025
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.42% | 1.98% | 1.82% | 1.63% | 1.52% | +9 bps | |
| Return on Equity | 12.53% | 16.55% | 14.61% | 13.62% | 11.94% | -59 bps | |
| Net Interest Margin | 3.71% | 3.76% | 3.86% | 3.59% | 3.57% | -14 bps | |
| Efficiency Ratio | 52.57% | 51.89% | 55.39% | 57.33% | 61.54% | +897 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.09% | 4.95% | 1.94% | 11.00% | 3.71% | -39 bps | |
| Loan Growth (YoY) | -5.85% | -6.12% | -20.38% | -22.41% | -26.13% | -2,028 bps | |
| Share Growth (YoY) | 2.75% | 3.17% | -0.28% | 1.19% | 2.15% | -60 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.25% | 0.20% | 0.84% | 1.26% | 0.20% | -5 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 | 11.37% | 11.95% | 12.43% | 11.95% | 12.71% | +134 bps | |
| Net Worth / Assets | 11.37% | 11.95% | 12.43% | 11.95% | 12.71% | +134 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 30.12% | 28.76% | 26.85% | 25.14% | 21.79% | -834 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Puyallup, WA · Charter 18068 · Peer group: credit unions under $1B in assets in the Seattle-Tacoma-Bellevue, WA area (n=23)
NCUA · 1 branch
Q3 2025
Return on Assets
1.52%
Rank 2 of 23
Net Interest Margin
3.57%
Rank 13 of 23
Efficiency Ratio
61.61%
Rank 5 of 23
Equity / Assets
12.71%
Rank 15 of 23
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.52% | 0.00% | 0.55% | 1.19% | Beats 91% | 2 / 23 | |
| Return on Equity | 11.94% | 0.00% | 4.19% | 8.62% | Beats 96% | 1 / 23 | |
| Net Interest Margin | 3.57% | 3.22% | 3.69% | 4.17% | Beats 43% | 13 / 23 | |
| Efficiency Ratio | 61.61% | 67.39% | 76.20% | 86.21% | Beats 83% | 5 / 23 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.19% | 0.39% | 0.97% | 1.48% | Beats 87% | 4 / 23 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.71% | 9.80% | 13.00% | 14.10% | Beats 35% | 15 / 23 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.71% | 9.80% | 12.99% | 14.10% | Beats 35% | 15 / 23 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 21.79% | 60.82% | 67.60% | 86.40% | 0th pctl | 23 / 23 | |
| Loans / Assets | 18.99% | 51.65% | 58.96% | 75.58% | 0th pctl | 23 / 23 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||