Spokane Valley, WA · Charter 66841
NCUA · 24 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 | 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 | |