North Coast
Bellingham, WA · Charter 66734 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
$426.7MAssets
$263.9MLoans
$371.8MShares
$58.9MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 69% of credit unions under $1B in assets (rank 522 of 1682).
- Widest gap: net interest margin trails 53% of credit unions under $1B in assets (rank 893 of 1683).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
0.83%
Rank 752 of 1,683
Net Interest Margin
3.76%
Rank 893 of 1,683
Efficiency Ratio
71.57%
Rank 522 of 1,682
Equity / Assets
13.80%
Rank 703 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.83% | 0.35% | 0.74% | 1.18% | Beats 55% | 752 / 1,683 | | |
| Return on Equity | 6.03% | 2.67% | 5.89% | 8.74% | Beats 52% | 813 / 1,681 | | |
| Net Interest Margin | 3.76% | 3.31% | 3.82% | 4.32% | Beats 47% | 893 / 1,683 | | |
| Efficiency Ratio | 71.57% | 68.91% | 78.20% | 86.93% | Beats 69% | 522 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.67% | 0.26% | 0.65% | 1.29% | Beats 49% | 855 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.80% | 10.44% | 12.89% | 16.53% | Beats 58% | 703 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.80% | 10.44% | 12.89% | 16.53% | Beats 58% | 703 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 70.99% | 52.61% | 69.38% | 83.50% | 53rd pctl | 792 / 1,683 | | |
| Loans / Assets | 61.86% | 44.71% | 59.18% | 70.72% | 56th pctl | 735 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |