PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Puyallup City Employees

Puyallup, WA · Charter 18068

NCUA · 1 branch

Q3 2025

$27.3MAssets
$5.2MLoans
$23.8MShares
$3.5MNet Worth

Executive Summary

  • Earnings: ROA of 1.52%, up 9 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 0.20% of loans (-5 bps YoY).
  • Capital: net worth / assets of 12.71%, up 134 bps from a year ago.
  • Funding: loans stand at 21.79% of shares as of Q3 2025.

Return on Assets (YTD, annualized)

1.52%+9 bps YoY

Net Interest Margin (YTD, annualized)

3.57%-14 bps YoY

Efficiency Ratio (YTD, annualized)

61.54%+897 bps YoY

Net Worth / Assets

12.71%+134 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2023Q1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets1.08%0.13%1.12%1.42%1.98%1.82%1.63%1.52%+9 bps
Return on Equity10.36%1.22%10.02%12.53%16.55%14.61%13.62%11.94%-59 bps
Net Interest Margin3.08%3.44%3.72%3.71%3.76%3.86%3.59%3.57%-14 bps
Efficiency Ratio66.18%62.34%55.03%52.57%51.89%55.39%57.33%61.54%+897 bps
Growth
Asset Growth (YoY)4.62%3.09%-0.35%4.09%4.95%1.94%11.00%3.71%-39 bps
Loan Growth (YoY)-8.98%-0.58%-2.49%-5.85%-6.12%-20.38%-22.41%-26.13%-2,028 bps
Share Growth (YoY)3.89%2.20%-1.93%2.75%3.17%-0.28%1.19%2.15%-60 bps
Asset Quality
Delinquent Loans / Loans0.14%0.12%0.23%0.25%0.20%0.84%1.26%0.20%-5 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.47%10.50%11.17%11.37%11.95%12.43%11.95%12.71%+134 bps
Net Worth / Assets10.47%10.50%11.17%11.37%11.95%12.43%11.95%12.71%+134 bps
Liquidity & Funding
Loans / Shares31.60%33.63%32.79%30.12%28.76%26.85%25.14%21.79%-834 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps