Lacey, WA · Charter 60059
NCUA · 7 branches
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
6
Asset Quality
34
Profitability
61
Liquidity
0
Efficiency
51
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.
Lacey, WA · Charter 60059
NCUA · 7 branches
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 | 0.39% | 0.59% | 0.63% | 0.74% | 0.60% | +21 bps | |
| Return on Equity | 4.64% | 6.92% | 7.38% | 8.73% | 7.13% | +249 bps | |
| Net Interest Margin | 4.18% | 4.30% | 4.39% | 4.52% | 4.51% | +33 bps | |
| Efficiency Ratio | 78.20% | 75.63% | 75.54% | 75.27% | 77.79% | -41 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.63% | 5.23% | 4.57% | 6.13% | 6.21% | +58 bps | |
| Loan Growth (YoY) | 10.71% | 8.20% | 10.26% | 9.10% | 5.51% | -521 bps | |
| Share Growth (YoY) | 6.35% | 8.49% | 7.60% | 9.38% | 7.83% | +148 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.52% | 0.88% | 0.76% | 0.79% | 0.96% | +44 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.43% | 8.53% | 8.49% | 8.48% | 8.48% | +4 bps | |
| Net Worth / Assets | 8.43% | 8.53% | 8.49% | 8.48% | 8.48% | +4 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 107.80% | 103.92% | 104.28% | 104.83% | 105.47% | -232 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lacey, WA · Charter 60059 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 7 branches
Q2 2026
Return on Assets
0.60%
Rank 1,004 of 1,683
Net Interest Margin
4.51%
Rank 329 of 1,683
Efficiency Ratio
77.79%
Rank 822 of 1,682
Equity / Assets
8.48%
Rank 1,574 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.60% | 0.35% | 0.74% | 1.18% | Beats 40% | 1,004 / 1,683 | |
| Return on Equity | 7.13% | 2.67% | 5.89% | 8.74% | Beats 62% | 634 / 1,681 | |
| Net Interest Margin | 4.51% | 3.31% | 3.82% | 4.32% | Beats 80% | 329 / 1,683 | |
| Efficiency Ratio | 77.79% | 68.91% | 78.20% | 86.93% | Beats 51% | 822 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.96% | 0.26% | 0.65% | 1.29% | Beats 34% | 1,104 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.48% | 10.44% | 12.89% | 16.53% | Beats 6% | 1,574 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.48% | 10.44% | 12.89% | 16.53% | Beats 6% | 1,574 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 105.47% | 52.61% | 69.38% | 83.50% | 98th pctl | 31 / 1,683 | |
| Loans / Assets | 89.15% | 44.71% | 59.18% | 70.72% | 99th pctl | 11 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||