PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

North Coast

Bellingham, WA · Charter 66734

NCUA · 5 branches

Q2 2026

$426.7MAssets
$263.9MLoans
$371.8MShares
$58.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.83%, down 17 bps year over year; NIM at 3.76%.
  • Asset quality: problem loans at 0.67% of loans (+14 bps YoY).
  • Capital: net worth / assets of 13.80%, down 1 bps from a year ago.
  • Funding: loans stand at 70.99% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.83%-17 bps YoY

Net Interest Margin (quarter, annualized)

3.76%-13 bps YoY

Efficiency Ratio (quarter, annualized)

71.58%-71 bps YoY

Net Worth / Assets

13.80%-1 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.00%0.98%1.07%0.49%0.83%-17 bps
Return on Equity7.24%7.24%7.87%3.69%6.03%-121 bps
Net Interest Margin3.90%3.78%3.74%3.60%3.76%-13 bps
Efficiency Ratio72.29%71.77%69.22%76.07%71.58%-71 bps
Growth
Asset Growth (YoY)7.35%8.59%10.31%9.74%7.70%+35 bps
Loan Growth (YoY)7.95%5.97%4.63%3.71%0.38%-757 bps
Share Growth (YoY)6.97%8.29%10.01%9.79%8.51%+154 bps
Asset Quality
Delinquent Loans / Loans0.53%0.48%0.56%0.35%0.67%+14 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.81%13.52%13.57%13.41%13.80%-1 bps
Net Worth / Assets13.81%13.52%13.57%13.41%13.80%-1 bps
Liquidity & Funding
Loans / Shares76.74%74.26%72.23%70.39%70.99%-575 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps