PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Numerica

Spokane Valley, WA · Charter 66841

NCUA · 24 branches

Q2 2026

$4.3BAssets
$3.5BLoans
$3.7BShares
$520.0MNet 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 1.00%, up 40 bps year over year; NIM at 2.98%.
  • Asset quality: problem loans at 0.35% of loans (-21 bps YoY).
  • Capital: net worth / assets of 12.03%, up 14 bps from a year ago.
  • Funding: loans stand at 95.98% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.00%+40 bps YoY

Net Interest Margin (quarter, annualized)

2.98%+15 bps YoY

Efficiency Ratio (quarter, annualized)

72.25%-578 bps YoY

Net Worth / Assets

12.03%+14 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.60%0.58%0.71%1.00%1.00%+40 bps
Return on Equity5.04%4.94%6.03%8.51%8.31%+327 bps
Net Interest Margin2.83%2.82%2.85%2.90%2.98%+15 bps
Efficiency Ratio78.02%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 / Loans0.56%0.41%0.34%0.42%0.35%-21 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 Capital11.90%11.76%11.83%11.73%12.03%+14 bps
Net Worth / Assets11.90%11.76%11.83%11.73%12.03%+14 bps
Liquidity & Funding
Loans / Shares95.38%94.41%94.59%93.19%95.98%+60 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps