Harborstone
Tacoma, WA · Charter 66399 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 17 branches
Q2 2026
$3.1BAssets
$2.4BLoans
$2.6BShares
$292.8MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 64% of credit unions $1B-$10B in assets (rank 158 of 435).
- Widest gap: return on equity trails 97% of credit unions $1B-$10B in assets (rank 423 of 435).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.05%
Rank 423 of 435
Net Interest Margin
3.59%
Rank 158 of 435
Efficiency Ratio
82.45%
Rank 389 of 435
Equity / Assets
9.34%
Rank 364 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.05% | 0.55% | 0.81% | 1.14% | Beats 3% | 423 / 435 | | |
| Return on Equity | 0.55% | 5.12% | 7.41% | 9.70% | Beats 3% | 423 / 435 | | |
| Net Interest Margin | 3.59% | 3.01% | 3.39% | 3.75% | Beats 64% | 158 / 435 | | |
| Efficiency Ratio | 82.45% | 65.25% | 71.39% | 77.86% | Beats 11% | 389 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.08% | 0.45% | 0.69% | 1.05% | Beats 24% | 332 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.34% | 9.81% | 10.84% | 12.63% | Beats 16% | 364 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.34% | 9.81% | 10.84% | 12.63% | Beats 16% | 364 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 93.51% | 78.33% | 88.38% | 95.61% | 68th pctl | 140 / 435 | | |
| Loans / Assets | 77.49% | 67.69% | 74.58% | 80.80% | 60th pctl | 173 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |