Bellingham, WA · Charter 66734
NCUA · 5 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.02% | 1.09% | 0.71% | 1.00% | 0.98% | 1.07% | 0.49% | 0.83% | -17 bps | |
| Return on Equity | 7.48% | 7.88% | 5.20% | 7.24% | 7.24% | 7.87% | 3.69% | 6.03% | -121 bps | |
| Net Interest Margin | 3.83% | 3.86% | 3.80% | 3.90% | 3.78% | 3.74% | 3.60% | 3.76% | -13 bps | |
| Efficiency Ratio | 67.85% | 66.77% | 76.68% | 72.29% | 71.77% | 69.22% | 76.07% | 71.58% | -71 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.19% | 7.78% | 6.71% | 7.35% | 8.59% | 10.31% | 9.74% | 7.70% | +35 bps | |
| Loan Growth (YoY) | 2.11% | 0.79% | 2.92% | 7.95% | 5.97% | 4.63% | 3.71% | 0.38% | -757 bps | |
| Share Growth (YoY) | 5.83% | 7.47% | 5.90% | 6.97% | 8.29% | 10.01% | 9.79% | 8.51% | +154 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.64% | 0.57% | 0.53% | 0.53% | 0.48% | 0.56% | 0.35% | 0.67% | +14 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 | 13.59% | 13.83% | 13.65% | 13.81% | 13.52% | 13.57% | 13.41% | 13.80% | -1 bps | |
| Net Worth / Assets | 13.59% | 13.83% | 13.65% | 13.81% | 13.52% | 13.57% | 13.41% | 13.80% | -1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.88% | 75.94% | 74.52% | 76.74% | 74.26% | 72.23% | 70.39% | 70.99% | -575 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |