Shelton, WA · Charter 665
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 under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
39
Asset Quality
31
Profitability
61
Liquidity
70
Efficiency
61
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.
Shelton, WA · Charter 665
NCUA · 5 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 | 0.24% | 0.45% | 0.51% | 0.53% | 0.61% | 0.72% | 0.83% | 0.76% | +23 bps | |
| Return on Equity | 2.26% | 4.01% | 4.59% | 4.78% | 5.44% | 6.34% | 7.25% | 6.49% | +170 bps | |
| Net Interest Margin | 3.39% | 3.65% | 4.03% | 4.08% | 4.11% | 4.14% | 4.24% | 4.32% | +24 bps | |
| Efficiency Ratio | 83.04% | 80.39% | 80.50% | 77.80% | 76.37% | 75.25% | 75.00% | 74.73% | -307 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.32% | -0.93% | 0.18% | 1.18% | 1.71% | 5.63% | 3.17% | 1.69% | +50 bps | |
| Loan Growth (YoY) | 3.31% | 4.20% | 2.99% | 6.46% | 6.61% | 6.84% | 4.64% | -1.04% | -750 bps | |
| Share Growth (YoY) | 1.80% | -2.47% | -1.61% | -0.76% | 0.73% | 3.90% | 2.39% | 1.26% | +202 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.79% | 1.04% | 0.81% | 0.87% | 0.76% | 0.96% | 0.93% | 1.06% | +18 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 | 10.72% | 11.24% | 11.08% | 11.14% | 11.19% | 11.30% | 11.48% | 11.74% | +59 bps | |
| Net Worth / Assets | 10.72% | 11.24% | 11.08% | 11.14% | 11.19% | 11.30% | 11.48% | 11.74% | +59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.28% | 76.22% | 73.57% | 77.99% | 78.62% | 78.38% | 75.19% | 76.22% | -178 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Shelton, WA · Charter 665 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
Return on Assets
0.76%
Rank 819 of 1,683
Net Interest Margin
4.32%
Rank 420 of 1,683
Efficiency Ratio
74.73%
Rank 665 of 1,682
Equity / Assets
11.74%
Rank 1,034 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.76% | 0.35% | 0.74% | 1.18% | Beats 51% | 819 / 1,683 | ||
| Return on Equity | 6.49% | 2.67% | 5.89% | 8.74% | Beats 56% | 742 / 1,681 | ||
| Net Interest Margin | 4.32% | 3.31% | 3.82% | 4.32% | Beats 75% | 420 / 1,683 | ||
| Efficiency Ratio | 74.73% | 68.91% | 78.20% | 86.93% | Beats 61% | 665 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.06% | 0.26% | 0.65% | 1.29% | Beats 31% | 1,160 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.74% | 10.44% | 12.89% | 16.53% | Beats 39% | 1,034 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.74% | 10.44% | 12.89% | 16.53% | Beats 39% | 1,034 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 76.22% | 52.61% | 69.38% | 83.50% | 62nd pctl | 639 / 1,683 | ||
| Loans / Assets | 66.99% | 44.71% | 59.18% | 70.72% | 66th pctl | 565 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||