Aberdeen, WA · Charter 1851
NCUA · 1 branch
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
85
Asset Quality
100
Profitability
65
Liquidity
65
Efficiency
81
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.
Aberdeen, WA · Charter 1851
NCUA · 1 branch
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 | 0.53% | 0.73% | 0.30% | 1.62% | 1.39% | +87 bps | |
| Return on Equity | 3.25% | 4.33% | 1.59% | 8.54% | 7.17% | +392 bps | |
| Net Interest Margin | 2.82% | 3.05% | 3.38% | 4.02% | 3.85% | +103 bps | |
| Efficiency Ratio | 82.44% | 77.55% | 81.99% | 61.17% | 64.23% | -1,820 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.65% | -0.80% | -9.45% | -11.20% | -13.40% | -1,075 bps | |
| Loan Growth (YoY) | -9.22% | 0.82% | -1.39% | 1.97% | 0.71% | +992 bps | |
| Share Growth (YoY) | -3.80% | -1.75% | -11.84% | -14.02% | -16.84% | -1,304 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.49% | 0.53% | 0.60% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.41% | 0.39% | 1.01% | 0.98% | 0.42% | +1 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.22% | 16.87% | 18.63% | 19.01% | 19.42% | +320 bps | |
| Net Worth / Assets | 16.22% | 16.87% | 18.63% | 19.01% | 19.42% | +320 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.87% | 68.85% | 73.86% | 76.36% | 77.35% | +1,348 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Aberdeen, WA · Charter 1851 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.38%
Rank 302 of 1,683
Net Interest Margin
3.83%
Rank 834 of 1,683
Efficiency Ratio
65.63%
Rank 315 of 1,682
Equity / Assets
19.41%
Rank 249 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.38% | 0.35% | 0.74% | 1.18% | Beats 82% | 302 / 1,683 | |
| Return on Equity | 7.12% | 2.67% | 5.89% | 8.74% | Beats 62% | 638 / 1,681 | |
| Net Interest Margin | 3.83% | 3.31% | 3.82% | 4.32% | Beats 50% | 834 / 1,683 | |
| Efficiency Ratio | 65.63% | 68.91% | 78.20% | 86.93% | Beats 81% | 315 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 19.41% | 10.44% | 12.89% | 16.53% | Beats 85% | 249 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 19.41% | 10.44% | 12.89% | 16.53% | Beats 85% | 249 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 77.36% | 52.61% | 69.38% | 83.50% | 65th pctl | 594 / 1,683 | |
| Loans / Assets | 62.12% | 44.71% | 59.18% | 70.72% | 57th pctl | 724 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||