Vancouver, WA · Charter 60438
NCUA · 22 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 | 0.88% | 1.06% | 1.06% | 1.02% | 0.89% | 0.94% | 1.35% | 1.23% | +21 bps | |
| Return on Equity | 8.63% | 9.94% | 10.04% | 9.42% | 8.38% | 8.66% | 12.33% | 10.85% | +143 bps | |
| Net Interest Margin | 3.29% | 3.29% | 3.26% | 3.25% | 3.19% | 3.24% | 3.36% | 3.41% | +16 bps | |
| Efficiency Ratio | 69.79% | 69.28% | 71.17% | 71.78% | 71.23% | 70.48% | 66.25% | 65.71% | -607 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.44% | -2.48% | 1.17% | 4.05% | 7.14% | 7.60% | 5.94% | 5.17% | +111 bps | |
| Loan Growth (YoY) | -6.36% | -4.23% | -4.20% | 0.22% | 10.05% | 5.71% | 8.76% | 11.33% | +1,111 bps | |
| Share Growth (YoY) | -2.54% | -2.23% | 1.60% | 4.12% | 7.29% | 7.49% | 5.43% | 4.77% | +65 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.11% | 0.85% | 0.64% | 0.69% | 0.58% | 0.74% | 0.86% | 0.79% | +10 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 | 10.26% | 10.64% | 10.57% | 10.78% | 10.61% | 10.82% | 10.99% | 11.30% | +52 bps | |
| Net Worth / Assets | 10.26% | 10.64% | 10.57% | 10.78% | 10.61% | 10.82% | 10.99% | 11.30% | +52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.16% | 88.23% | 83.71% | 86.03% | 89.40% | 86.76% | 86.36% | 91.42% | +539 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |