Seattle, WA · Charter 66349
NCUA · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
14
Asset Quality
60
Profitability
48
Liquidity
62
Efficiency
18
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Seattle, WA · Charter 66349
NCUA · 5 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.04% | 0.07% | 0.20% | 0.40% | 0.56% | +52 bps | |
| Return on Equity | 0.43% | 0.81% | 2.21% | 4.44% | 6.10% | +567 bps | |
| Net Interest Margin | 3.38% | 3.48% | 3.52% | 3.84% | 3.93% | +55 bps | |
| Efficiency Ratio | 88.12% | 85.68% | 83.87% | 81.22% | 79.53% | -859 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.24% | -0.22% | -1.09% | -1.45% | -0.02% | -26 bps | |
| Loan Growth (YoY) | -0.56% | -0.06% | 1.63% | 3.01% | 2.92% | +348 bps | |
| Share Growth (YoY) | 2.69% | 1.29% | -4.03% | -2.60% | -2.19% | -488 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.66% | 0.57% | 0.83% | 0.69% | 0.60% | -6 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.80% | 8.95% | 8.96% | 9.02% | 9.19% | +39 bps | |
| Net Worth / Assets | 8.80% | 8.95% | 8.96% | 9.02% | 9.19% | +39 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.10% | 90.98% | 94.54% | 92.63% | 93.75% | +465 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Seattle, WA · Charter 66349 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 5 branches
Q2 2026
Return on Assets
0.56%
Rank 325 of 435
Net Interest Margin
3.93%
Rank 66 of 435
Efficiency Ratio
79.53%
Rank 358 of 435
Equity / Assets
9.19%
Rank 375 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.56% | 0.55% | 0.81% | 1.14% | Beats 25% | 325 / 435 | |
| Return on Equity | 6.10% | 5.12% | 7.41% | 9.70% | Beats 35% | 282 / 435 | |
| Net Interest Margin | 3.93% | 3.01% | 3.39% | 3.75% | Beats 85% | 66 / 435 | |
| Efficiency Ratio | 79.53% | 65.25% | 71.39% | 77.86% | Beats 18% | 358 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.60% | 0.45% | 0.69% | 1.05% | Beats 60% | 176 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.19% | 9.81% | 10.84% | 12.63% | Beats 14% | 375 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.19% | 9.81% | 10.84% | 12.63% | Beats 14% | 375 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 93.75% | 78.33% | 88.38% | 95.61% | 69th pctl | 134 / 435 | |
| Loans / Assets | 82.13% | 67.69% | 74.58% | 80.80% | 83rd pctl | 76 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||