O Bee
Lacey, WA · Charter 60059 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 7 branches
Q2 2026
$676.6MAssets
$603.2MLoans
$571.9MShares
$57.4MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 80% of credit unions under $1B in assets (rank 329 of 1683).
- Widest gap: equity / assets trails 94% of credit unions under $1B in assets (rank 1574 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
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 |