Bellingham, WA · Charter 66337
NCUA · 6 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 | 0.09% | 0.24% | 0.43% | 0.50% | 0.63% | 0.65% | 0.30% | 0.52% | +3 bps | |
| Return on Equity | 0.76% | 2.12% | 3.82% | 4.46% | 5.46% | 5.43% | 2.53% | 4.35% | -10 bps | |
| Net Interest Margin | 4.28% | 4.27% | 4.13% | 4.07% | 4.23% | 4.34% | 4.14% | 4.23% | +16 bps | |
| Efficiency Ratio | 73.12% | 73.38% | 76.56% | 75.37% | 74.37% | 75.46% | 79.40% | 78.69% | +332 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.02% | 2.44% | 1.34% | 3.60% | 2.10% | -0.29% | 0.82% | -3.23% | -683 bps | |
| Loan Growth (YoY) | -12.31% | -12.50% | -10.59% | -8.47% | -6.54% | -4.05% | -1.42% | -0.08% | +839 bps | |
| Share Growth (YoY) | -0.01% | 2.69% | 0.92% | 3.88% | 1.39% | -1.41% | 0.34% | -4.41% | -829 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.69% | 0.74% | 0.43% | 0.57% | 0.73% | 0.65% | 0.43% | 0.26% | -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 | 11.26% | 11.30% | 11.34% | 11.13% | 11.59% | 11.90% | 11.77% | 12.06% | +94 bps | |
| Net Worth / Assets | 11.26% | 11.30% | 11.34% | 11.13% | 11.59% | 11.90% | 11.77% | 12.06% | +94 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.49% | 78.48% | 76.15% | 72.38% | 74.19% | 76.38% | 74.81% | 75.66% | +328 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |