Enumclaw, WA · Charter 67201
NCUA · 2 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 under $1B in assets in the Seattle-Tacoma-Bellevue, WA area (n=22). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
86
Asset Quality
36
Profitability
77
Liquidity
97
Efficiency
82
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.
Enumclaw, WA · Charter 67201
NCUA · 2 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 | 1.11% | 1.22% | 1.12% | 1.20% | 1.40% | 1.22% | 0.15% | 0.99% | -21 bps | |
| Return on Equity | 7.40% | 7.93% | 7.22% | 7.66% | 8.62% | 7.41% | 0.89% | 5.70% | -196 bps | |
| Net Interest Margin | 4.99% | 5.06% | 5.09% | 5.09% | 5.30% | 5.36% | 5.51% | 5.49% | +40 bps | |
| Efficiency Ratio | 59.74% | 58.97% | 63.65% | 62.82% | 61.43% | 63.92% | 58.55% | 63.12% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.58% | -3.70% | 0.02% | 1.64% | 1.31% | 0.95% | -1.35% | -3.17% | -480 bps | |
| Loan Growth (YoY) | -2.15% | -7.48% | -7.93% | -2.58% | -8.34% | -3.96% | -3.43% | -2.88% | -30 bps | |
| Share Growth (YoY) | -7.70% | -5.65% | -1.41% | 0.52% | -0.18% | -0.49% | -2.76% | -5.03% | -556 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.68% | 1.44% | 1.36% | 1.25% | 1.65% | 1.68% | 1.38% | 1.01% | -24 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 | 15.01% | 15.41% | 15.44% | 15.66% | 16.25% | 16.48% | 16.63% | 17.29% | +163 bps | |
| Net Worth / Assets | 15.01% | 15.41% | 15.44% | 15.66% | 16.25% | 16.48% | 16.63% | 17.29% | +163 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.18% | 64.39% | 61.87% | 64.12% | 61.69% | 62.15% | 61.44% | 65.58% | +145 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Enumclaw, WA · Charter 67201 · Peer group: credit unions under $1B in assets in the Seattle-Tacoma-Bellevue, WA area (n=22)
NCUA · 2 branches
Q2 2026
Return on Assets
0.99%
Rank 7 of 22
Net Interest Margin
5.49%
Rank 2 of 22
Efficiency Ratio
63.11%
Rank 5 of 22
Equity / Assets
17.29%
Rank 3 of 22
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.99% | 0.11% | 0.57% | 0.99% | Beats 68% | 7 / 22 | ||
| Return on Equity | 5.70% | 0.85% | 3.93% | 5.70% | Beats 73% | 6 / 22 | ||
| Net Interest Margin | 5.49% | 3.17% | 3.57% | 4.25% | Beats 91% | 2 / 22 | ||
| Efficiency Ratio | 63.11% | 65.75% | 80.47% | 91.31% | Beats 82% | 5 / 22 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.01% | 0.34% | 0.86% | 1.42% | Beats 36% | 15 / 22 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.29% | 10.62% | 13.36% | 14.42% | Beats 86% | 3 / 22 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.29% | 10.62% | 13.36% | 14.42% | Beats 86% | 3 / 22 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 65.58% | 61.01% | 65.58% | 83.83% | 50th pctl | 11 / 22 | ||
| Loans / Assets | 54.22% | 47.64% | 55.55% | 72.11% | 32nd pctl | 15 / 22 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||