Shoreline, WA · Charter 60079
NCUA · 5 branches
Q3 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2025, the quarter ended September 30, 2025, 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 in the Seattle-Tacoma-Bellevue, WA area (n=23). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
30
Asset Quality
39
Profitability
28
Liquidity
100
Efficiency
9
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.
Shoreline, WA · Charter 60079
NCUA · 5 branches
Q3 2025
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | 0.53% | 0.51% | 0.56% | 0.35% | 0.17% | 0.00% | 0.00% | -56 bps | |
| Return on Equity | 4.28% | 5.06% | 4.65% | 4.96% | 2.95% | 1.47% | 0.01% | 0.00% | -496 bps | |
| Net Interest Margin | 3.80% | 3.57% | 3.70% | 3.75% | 3.89% | 3.41% | 3.46% | 3.51% | -23 bps | |
| Efficiency Ratio | 86.97% | 84.62% | 86.82% | 86.11% | 89.93% | 94.40% | 95.58% | 96.10% | +999 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.95% | -5.44% | -6.52% | -6.57% | -8.96% | -7.71% | -4.58% | -3.30% | +327 bps | |
| Loan Growth (YoY) | -9.33% | -12.90% | -14.18% | -15.44% | -16.07% | -16.38% | -16.41% | -16.72% | -128 bps | |
| Share Growth (YoY) | -9.08% | -6.99% | -8.49% | -8.42% | -10.97% | -8.84% | -5.05% | -3.62% | +480 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.90% | 1.06% | 0.74% | 0.86% | 0.94% | 1.10% | 1.07% | 1.17% | +31 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 | 10.52% | 10.44% | 10.97% | 11.37% | 11.75% | 11.40% | 11.42% | 11.51% | +14 bps | |
| Net Worth / Assets | 10.52% | 10.44% | 10.97% | 11.37% | 11.75% | 11.40% | 11.42% | 11.51% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.78% | 79.83% | 79.81% | 78.24% | 79.92% | 73.22% | 70.26% | 67.60% | -1,064 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Shoreline, WA · Charter 60079 · Peer group: credit unions under $1B in assets in the Seattle-Tacoma-Bellevue, WA area (n=23)
NCUA · 5 branches
Q3 2025
Return on Assets
0.00%
Rank 18 of 23
Net Interest Margin
3.51%
Rank 14 of 23
Efficiency Ratio
96.09%
Rank 22 of 23
Equity / Assets
11.51%
Rank 16 of 23
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.00% | 0.00% | 0.55% | 1.19% | Beats 22% | 18 / 23 | ||
| Return on Equity | 0.00% | 0.00% | 4.19% | 8.62% | Beats 22% | 18 / 23 | ||
| Net Interest Margin | 3.51% | 3.22% | 3.69% | 4.17% | Beats 39% | 14 / 23 | ||
| Efficiency Ratio | 96.09% | 67.39% | 76.20% | 86.21% | Beats 9% | 22 / 23 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.17% | 0.39% | 0.97% | 1.48% | Beats 39% | 15 / 23 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.51% | 9.80% | 13.00% | 14.10% | Beats 30% | 16 / 23 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.51% | 9.80% | 12.99% | 14.10% | Beats 30% | 16 / 23 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 67.60% | 60.82% | 67.60% | 86.40% | 48th pctl | 12 / 23 | ||
| Loans / Assets | 57.86% | 51.65% | 58.96% | 75.58% | 43rd pctl | 13 / 23 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||