Bellingham, WA · Charter 66373
NCUA · 12 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.48% | 0.44% | 0.39% | 0.57% | 0.67% | +19 bps | |
| Return on Equity | 4.07% | 3.81% | 3.57% | 5.08% | 5.99% | +192 bps | |
| Net Interest Margin | 2.95% | 2.95% | 2.74% | 2.96% | 3.00% | +4 bps | |
| Efficiency Ratio | 72.70% | 72.40% | 74.06% | 74.21% | 72.00% | -70 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.74% | 8.49% | 12.67% | 11.15% | 11.20% | +346 bps | |
| Loan Growth (YoY) | 16.56% | 11.87% | 7.75% | 10.44% | 7.42% | -914 bps | |
| Share Growth (YoY) | 8.66% | 10.00% | 15.46% | 11.78% | 10.97% | +231 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.72% | 0.72% | 0.74% | 0.70% | 0.69% | -3 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 | 11.90% | 11.68% | 11.07% | 11.25% | 11.21% | -69 bps | |
| Net Worth / Assets | 11.90% | 11.68% | 11.07% | 11.25% | 11.21% | -69 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 103.96% | 99.30% | 97.09% | 99.21% | 100.64% | -333 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |