Peninsula Community
Shelton, WA · Charter 665 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
$304.2MAssets
$203.8MLoans
$267.4MShares
$35.7MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 75% of credit unions under $1B in assets (rank 420 of 1683).
- Widest gap: nonperforming loans / loans trails 69% of credit unions under $1B in assets (rank 1160 of 1682).
- Overall: at or above the peer median on 4 of 7 directional measures.
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 | 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 |