Olympia, WA · Charter 60042
NCUA · 25 branches
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 | 0.19% | 0.09% | 0.22% | 0.45% | 0.51% | 0.45% | -0.04% | 0.25% | -20 bps | |
| Return on Equity | 2.01% | 0.94% | 2.43% | 4.67% | 5.24% | 4.62% | -0.38% | 2.52% | -214 bps | |
| Net Interest Margin | 3.49% | 3.59% | 3.82% | 3.94% | 4.04% | 4.07% | 4.06% | 4.15% | +21 bps | |
| Efficiency Ratio | 71.55% | 71.14% | 73.46% | 71.58% | 71.82% | 72.42% | 78.45% | 75.29% | +370 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.32% | -3.59% | -4.40% | -2.87% | -3.19% | -1.50% | -1.76% | -0.61% | +226 bps | |
| Loan Growth (YoY) | -1.11% | -2.55% | -3.79% | -4.89% | -4.96% | -4.89% | -4.19% | -3.52% | +136 bps | |
| Share Growth (YoY) | -0.25% | 2.19% | 2.02% | 2.45% | 2.07% | 2.05% | 2.05% | 2.61% | +16 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.58% | 0.63% | 0.39% | 0.52% | 0.58% | 0.72% | 0.69% | 0.80% | +28 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.19% | 9.23% | 9.22% | 9.54% | 9.76% | 9.77% | 9.71% | 9.89% | +35 bps | |
| Net Worth / Assets | 9.19% | 9.23% | 9.22% | 9.54% | 9.76% | 9.77% | 9.71% | 9.89% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.52% | 95.33% | 91.65% | 91.66% | 90.80% | 88.84% | 86.05% | 86.18% | -548 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |