Lynnwood, WA · Cert 58407 · U&I Financial Corp.
State charter, Fed member · FED · 4 branches
Q2 2026
Market Position · Seattle-Tacoma-Bellevue, WA · 2026 SOD (annual) · 0.2% share · #27 of 43 inst. · $0.3B of $143.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
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 | -3.28% | -5.40% | -1.70% | -0.56% | -0.45% | -0.47% | -0.13% | -0.25% | +31 bps | |
| Return on Equity | -33.35% | -59.49% | -28.94% | -9.05% | -7.06% | -7.29% | -1.92% | -3.54% | +551 bps | |
| Net Interest Margin | 2.94% | 2.72% | 2.25% | 2.60% | 2.61% | 2.57% | 2.94% | 2.69% | +9 bps | |
| Efficiency Ratio | 70.79% | 76.91% | 101.19% | 110.19% | 119.13% | 129.47% | 127.95% | 139.29% | +2,910 bps | |
| Non-Interest Burden | 1.97% | 2.02% | 2.28% | 2.88% | 3.14% | 3.38% | 3.82% | 3.83% | +95 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.97% | -14.39% | -25.70% | -28.49% | -30.65% | -21.69% | -9.04% | -4.01% | +2,448 bps | |
| Loan Growth (YoY) | -10.70% | -19.34% | -23.21% | -30.72% | -30.02% | -27.69% | -27.21% | -14.88% | +1,585 bps | |
| Deposit Growth (YoY) | -10.29% | -14.50% | -19.24% | -20.54% | -26.37% | -23.16% | -13.46% | -10.18% | +1,036 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.70% | 2.79% | 2.78% | 1.76% | 1.77% | 1.78% | 0.56% | 0.54% | -122 bps | |
| Net Charge-Offs / Loans | 9.91% | 12.65% | 6.26% | 4.17% | 2.94% | 1.86% | -1.50% | -1.40% | -558 bps | |
| Allowance / Loans | 4.70% | 2.43% | 1.91% | 1.19% | 1.03% | 0.97% | 1.13% | 1.08% | -11 bps | |
| Allowance Coverage of NPLs | 2.8x | 0.9x | 0.7x | 0.7x | 0.6x | 0.5x | 2.0x | 2.0x | +1.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.22% | 5.60% | 5.98% | 7.18% | 7.32% | 7.22% | 7.18% | 7.31% | +13 bps | |
| Total Risk-Based Capital | 10.62% | 8.80% | 9.01% | 10.43% | 10.63% | 10.92% | 11.74% | 11.30% | +87 bps | |
| Equity / Assets | 8.18% | 5.65% | 6.17% | 6.79% | 7.17% | 6.98% | 7.00% | 7.17% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.89% | 89.97% | 95.52% | 88.58% | 87.34% | 84.67% | 80.34% | 83.95% | -463 bps | |
| Liquid Assets / Assets | 12.16% | 11.56% | 4.48% | 8.91% | 8.02% | 14.00% | 16.13% | 12.36% | +345 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 593% | 601% | 582% | n/a | n/a | |