Spokane Valley, WA · Charter 66841
NCUA · 24 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.60% | 0.58% | 0.71% | 1.00% | 1.00% | +40 bps | |
| Return on Equity | 5.04% | 4.94% | 6.03% | 8.51% | 8.31% | +327 bps | |
| Net Interest Margin | 2.83% | 2.82% | 2.85% | 2.90% | 2.98% | +15 bps | |
| Efficiency Ratio | 78.02% | 75.85% | 75.56% | 71.96% | 72.25% | -578 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.18% | 3.43% | 5.34% | 5.48% | 6.16% | +397 bps | |
| Loan Growth (YoY) | 3.13% | 5.25% | 6.55% | 6.63% | 6.89% | +377 bps | |
| Share Growth (YoY) | 6.90% | 8.09% | 5.34% | 5.49% | 6.23% | -67 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.90% | 11.76% | 11.83% | 11.73% | 12.03% | +14 bps | |
| Net Worth / Assets | 11.90% | 11.76% | 11.83% | 11.73% | 12.03% | +14 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |