Sound
Tacoma, WA · Charter 66331 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 27 branches
Q2 2026
$3.4BAssets
$2.7BLoans
$2.9BShares
$374.6MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 68% of credit unions $1B-$10B in assets (rank 139 of 435).
- Widest gap: nonperforming loans / loans trails 80% of credit unions $1B-$10B in assets (rank 349 of 435).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
0.94%
Rank 162 of 435
Net Interest Margin
3.41%
Rank 212 of 435
Efficiency Ratio
67.09%
Rank 139 of 435
Equity / Assets
11.01%
Rank 201 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.94% | 0.55% | 0.81% | 1.14% | Beats 63% | 162 / 435 | |
| Return on Equity | 8.57% | 5.12% | 7.41% | 9.70% | Beats 64% | 156 / 435 | |
| Net Interest Margin | 3.41% | 3.01% | 3.39% | 3.75% | Beats 51% | 212 / 435 | |
| Efficiency Ratio | 67.09% | 65.25% | 71.39% | 77.86% | Beats 68% | 139 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.18% | 0.45% | 0.69% | 1.05% | Beats 20% | 349 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.01% | 9.81% | 10.84% | 12.63% | Beats 54% | 201 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.01% | 9.81% | 10.84% | 12.63% | Beats 54% | 201 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 93.71% | 78.33% | 88.38% | 95.61% | 69th pctl | 135 / 435 | |
| Loans / Assets | 80.64% | 67.69% | 74.58% | 80.80% | 75th pctl | 110 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |