Lacey, WA · Charter 60059
NCUA · 7 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 | 0.34% | 0.39% | 0.27% | 0.39% | 0.59% | 0.63% | 0.74% | 0.60% | +21 bps | |
| Return on Equity | 3.93% | 4.63% | 3.21% | 4.64% | 6.92% | 7.38% | 8.73% | 7.13% | +249 bps | |
| Net Interest Margin | 3.75% | 3.83% | 3.98% | 4.18% | 4.30% | 4.39% | 4.52% | 4.51% | +33 bps | |
| Efficiency Ratio | 88.31% | 86.33% | 80.30% | 78.20% | 75.63% | 75.54% | 75.27% | 77.79% | -41 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.50% | 3.38% | 2.46% | 5.63% | 5.23% | 4.57% | 6.13% | 6.21% | +58 bps | |
| Loan Growth (YoY) | 4.34% | 3.90% | 9.12% | 10.71% | 8.20% | 10.26% | 9.10% | 5.51% | -521 bps | |
| Share Growth (YoY) | 10.30% | 8.86% | 3.53% | 6.35% | 8.49% | 7.60% | 9.38% | 7.83% | +148 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.82% | 0.55% | 0.61% | 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 | 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 | 8.57% | 8.42% | 8.41% | 8.43% | 8.53% | 8.49% | 8.48% | 8.48% | +4 bps | |
| Net Worth / Assets | 8.57% | 8.42% | 8.41% | 8.43% | 8.53% | 8.49% | 8.48% | 8.48% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 104.20% | 101.76% | 105.10% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |