PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Peninsula Community

Shelton, WA · Charter 665

NCUA · 5 branches

Q2 2026

$304.2MAssets
$203.8MLoans
$267.4MShares
$35.7MNet Worth

Executive Summary

  • Earnings: ROA of 0.76%, up 23 bps year over year; NIM at 4.32%.
  • Asset quality: problem loans at 1.06% of loans (+18 bps YoY).
  • Capital: net worth / assets of 11.74%, up 59 bps from a year ago.
  • Funding: loans stand at 76.22% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.76%+23 bps YoY

Net Interest Margin (YTD, annualized)

4.32%+24 bps YoY

Efficiency Ratio (YTD, annualized)

74.73%-307 bps YoY

Net Worth / Assets

11.74%+59 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.24%0.45%0.51%0.53%0.61%0.72%0.83%0.76%+23 bps
Return on Equity2.26%4.01%4.59%4.78%5.44%6.34%7.25%6.49%+170 bps
Net Interest Margin3.39%3.65%4.03%4.08%4.11%4.14%4.24%4.32%+24 bps
Efficiency Ratio83.04%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 / Loans0.79%1.04%0.81%0.87%0.76%0.96%0.93%1.06%+18 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.72%11.24%11.08%11.14%11.19%11.30%11.48%11.74%+59 bps
Net Worth / Assets10.72%11.24%11.08%11.14%11.19%11.30%11.48%11.74%+59 bps
Liquidity & Funding
Loans / Shares74.28%76.22%73.57%77.99%78.62%78.38%75.19%76.22%-178 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps