Yakima Federal Savings and Loan Association
Yakima, WA · Cert 28116 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258)
SI · FDIC · 10 branches
Q2 2026
$2.0BAssets
$913.5MLoans
$1.4BDeposits
$552.5MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets operating in a single state (rank 15 of 258).
- Widest gap: net interest margin trails 98% of banks $1B-$10B in assets operating in a single state (rank 254 of 258).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
0.94%
Rank 191 of 258
Net Interest Margin
2.09%
Rank 254 of 258
Efficiency Ratio
52.37%
Rank 71 of 257
Equity / Assets
27.66%
Rank 1 of 258
Non-interest income vs. expense
Unfavorable gap of $19.0M · efficiency ratio beats 73% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.94% | 0.93% | 1.23% | 1.54% | Beats 26% | 191 / 258 | |
| Return on Equity | 3.40% | 9.26% | 11.84% | 14.74% | Beats 5% | 245 / 258 | |
| Net Interest Margin | 2.09% | 3.16% | 3.49% | 3.88% | Beats 2% | 254 / 258 | |
| Efficiency Ratio | 52.37% | 51.71% | 60.30% | 69.65% | Beats 73% | 71 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.28% | 0.19% | 0.46% | 0.90% | Beats 64% | 95 / 258 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.07% | Beats 100% | 15 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 28.14% | 11.41% | 12.98% | 15.12% | Beats 97% | 8 / 258 | |
| Total Risk-Based Capital Ratio | 28.14% | 12.10% | 13.91% | 16.08% | Beats 97% | 9 / 258 | |
| Equity / Assets | 27.66% | 9.09% | 10.24% | 11.72% | Beats 100% | 1 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 66.64% | 73.24% | 86.34% | 95.95% | 14th pctl | 223 / 258 | |
| Loans / Assets | 45.74% | 63.01% | 72.27% | 78.40% | 5th pctl | 245 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |