PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Seattle Postal Employees

Shoreline, WA · Charter 60079

NCUA · 5 branches

Q3 2025

$191.0MAssets
$110.5MLoans
$163.4MShares
$22.0MNet Worth

Executive Summary

  • Earnings: ROA of 0.00%, down 56 bps year over year; NIM at 3.51%.
  • Asset quality: problem loans at 1.17% of loans (+31 bps YoY).
  • Capital: net worth / assets of 11.51%, up 14 bps from a year ago.
  • Funding: loans stand at 67.60% of shares as of Q3 2025.

Return on Assets (YTD, annualized)

0.00%-56 bps YoY

Net Interest Margin (YTD, annualized)

3.51%-23 bps YoY

Efficiency Ratio (YTD, annualized)

96.10%+999 bps YoY

Net Worth / Assets

11.51%+14 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2023Q1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets0.45%0.53%0.51%0.56%0.35%0.17%0.00%0.00%-56 bps
Return on Equity4.28%5.06%4.65%4.96%2.95%1.47%0.01%0.00%-496 bps
Net Interest Margin3.80%3.57%3.70%3.75%3.89%3.41%3.46%3.51%-23 bps
Efficiency Ratio86.97%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 / Loans0.90%1.06%0.74%0.86%0.94%1.10%1.07%1.17%+31 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.52%10.44%10.97%11.37%11.75%11.40%11.42%11.51%+14 bps
Net Worth / Assets10.52%10.44%10.97%11.37%11.75%11.40%11.42%11.51%+14 bps
Liquidity & Funding
Loans / Shares84.78%79.83%79.81%78.24%79.92%73.22%70.26%67.60%-1,064 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps