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 | |