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 | |