Aberdeen, WA · Charter 1851
NCUA · 1 branch
Q2 2026
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 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.48% | 0.46% | 1.13% | 0.53% | 0.73% | 0.30% | 1.62% | 1.39% | +87 bps | |
| Return on Equity | 2.96% | 2.78% | 6.88% | 3.25% | 4.33% | 1.59% | 8.54% | 7.17% | +392 bps | |
| Net Interest Margin | 2.56% | 2.75% | 2.97% | 2.82% | 3.05% | 3.38% | 4.02% | 3.85% | +103 bps | |
| Efficiency Ratio | 82.47% | 84.16% | 63.76% | 82.44% | 77.55% | 81.99% | 61.17% | 64.23% | -1,820 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.90% | -7.57% | -4.57% | -2.65% | -0.80% | -9.45% | -11.20% | -13.40% | -1,075 bps | |
| Loan Growth (YoY) | -16.55% | -17.50% | -14.81% | -9.22% | 0.82% | -1.39% | 1.97% | 0.71% | +992 bps | |
| Share Growth (YoY) | -8.42% | -9.44% | -6.05% | -3.80% | -1.75% | -11.84% | -14.02% | -16.84% | -1,304 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.40% | 0.42% | 0.42% | 0.41% | 0.39% | 1.01% | 0.98% | 0.42% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.10% | 16.60% | 16.46% | 16.22% | 16.87% | 18.63% | 19.01% | 19.42% | +320 bps | |
| Net Worth / Assets | 16.10% | 16.60% | 16.46% | 16.22% | 16.87% | 18.63% | 19.01% | 19.42% | +320 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.10% | 66.04% | 64.39% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |