Shoreline, WA · Charter 60079
NCUA · 5 branches
Q3 2025
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.56% | 0.35% | 0.17% | 0.00% | 0.00% | -56 bps | |
| Return on Equity | 4.96% | 2.95% | 1.47% | 0.01% | 0.00% | -496 bps | |
| Net Interest Margin | 3.75% | 3.89% | 3.41% | 3.46% | 3.51% | -23 bps | |
| Efficiency Ratio | 86.11% | 89.93% | 94.40% | 95.58% | 96.10% | +999 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.57% | -8.96% | -7.71% | -4.58% | -3.30% | +327 bps | |
| Loan Growth (YoY) | -15.44% | -16.07% | -16.38% | -16.41% | -16.72% | -128 bps | |
| Share Growth (YoY) | -8.42% | -10.97% | -8.84% | -5.05% | -3.62% | +480 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.37% | 11.75% | 11.40% | 11.42% | 11.51% | +14 bps | |
| Net Worth / Assets | 11.37% | 11.75% | 11.40% | 11.42% | 11.51% | +14 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |