Spokane Valley, WA · Charter 66841
NCUA · 24 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
68
Asset Quality
85
Profitability
50
Liquidity
46
Efficiency
48
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Spokane Valley, WA · Charter 66841
NCUA · 24 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.88% | 0.81% | 0.64% | 0.60% | 0.58% | 0.71% | 1.00% | 1.00% | +40 bps | |
| Return on Equity | 7.51% | 6.85% | 5.46% | 5.04% | 4.94% | 6.03% | 8.51% | 8.31% | +327 bps | |
| Net Interest Margin | 2.79% | 2.84% | 2.73% | 2.83% | 2.82% | 2.85% | 2.90% | 2.98% | +15 bps | |
| Efficiency Ratio | 76.41% | 76.44% | 80.93% | 78.02% | 75.85% | 75.56% | 71.96% | 72.25% | -578 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.64% | 1.81% | 2.39% | 2.18% | 3.43% | 5.34% | 5.48% | 6.16% | +397 bps | |
| Loan Growth (YoY) | 1.36% | 0.12% | 0.71% | 3.13% | 5.25% | 6.55% | 6.63% | 6.89% | +377 bps | |
| Share Growth (YoY) | 2.00% | 4.98% | 6.80% | 6.90% | 8.09% | 5.34% | 5.49% | 6.23% | -67 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.41% | 0.53% | 0.53% | 0.56% | 0.41% | 0.34% | 0.42% | 0.35% | -21 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 | 11.67% | 11.80% | 11.63% | 11.90% | 11.76% | 11.83% | 11.73% | 12.03% | +14 bps | |
| Net Worth / Assets | 11.67% | 11.80% | 11.63% | 11.90% | 11.76% | 11.83% | 11.73% | 12.03% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.96% | 93.51% | 92.19% | 95.38% | 94.41% | 94.59% | 93.19% | 95.98% | +60 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Spokane Valley, WA · Charter 66841 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 24 branches
Q2 2026
Return on Assets
1.00%
Rank 142 of 435
Net Interest Margin
2.98%
Rank 337 of 435
Efficiency Ratio
72.25%
Rank 229 of 435
Equity / Assets
12.03%
Rank 138 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.00% | 0.55% | 0.81% | 1.14% | Beats 67% | 142 / 435 | ||
| Return on Equity | 8.31% | 5.12% | 7.41% | 9.70% | Beats 61% | 171 / 435 | ||
| Net Interest Margin | 2.98% | 3.01% | 3.39% | 3.75% | Beats 23% | 337 / 435 | ||
| Efficiency Ratio | 72.25% | 65.25% | 71.39% | 77.86% | Beats 48% | 229 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.35% | 0.45% | 0.69% | 1.05% | Beats 85% | 66 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.03% | 9.81% | 10.84% | 12.63% | Beats 68% | 138 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.03% | 9.81% | 10.84% | 12.63% | Beats 68% | 138 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 95.98% | 78.33% | 88.38% | 95.61% | 76th pctl | 104 / 435 | ||
| Loans / Assets | 81.60% | 67.69% | 74.58% | 80.80% | 80th pctl | 88 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||