Shoreline, WA · Charter 60079
NCUA · 5 branches
Q3 2025
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |