Numerica
Spokane Valley, WA · Charter 66841 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 24 branches
Q2 2026
$4.3BAssets
$3.5BLoans
$3.7BShares
$520.0MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 85% of credit unions $1B-$10B in assets (rank 66 of 435).
- Widest gap: net interest margin trails 77% of credit unions $1B-$10B in assets (rank 337 of 435).
- Overall: at or above the peer median on 5 of 7 directional measures.
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 |