Enumclaw, WA · Charter 67201
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.20% | 1.40% | 1.22% | 0.15% | 0.99% | -21 bps | |
| Return on Equity | 7.66% | 8.62% | 7.41% | 0.89% | 5.70% | -196 bps | |
| Net Interest Margin | 5.09% | 5.30% | 5.36% | 5.51% | 5.49% | +40 bps | |
| Efficiency Ratio | 62.82% | 61.43% | 63.92% | 58.55% | 63.12% | +30 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.64% | 1.31% | 0.95% | -1.35% | -3.17% | -480 bps | |
| Loan Growth (YoY) | -2.58% | -8.34% | -3.96% | -3.43% | -2.88% | -30 bps | |
| Share Growth (YoY) | 0.52% | -0.18% | -0.49% | -2.76% | -5.03% | -556 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.66% | 16.25% | 16.48% | 16.63% | 17.29% | +163 bps | |
| Net Worth / Assets | 15.66% | 16.25% | 16.48% | 16.63% | 17.29% | +163 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |