Everett, WA · Charter 67262
NCUA · 6 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 | 0.69% | 0.61% | 0.46% | 0.55% | 0.58% | 0.61% | 0.80% | 0.67% | +12 bps | |
| Return on Equity | 5.28% | 4.65% | 3.57% | 4.20% | 4.38% | 4.62% | 6.00% | 4.97% | +77 bps | |
| Net Interest Margin | 3.16% | 3.20% | 3.14% | 3.28% | 3.26% | 3.27% | 3.32% | 3.43% | +15 bps | |
| Efficiency Ratio | 71.75% | 72.51% | 74.78% | 71.60% | 70.21% | 71.14% | 68.85% | 71.83% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.44% | 0.88% | 2.17% | 2.70% | 4.07% | 4.41% | 2.00% | 2.38% | -31 bps | |
| Loan Growth (YoY) | -7.64% | -3.08% | -5.45% | -0.42% | 2.92% | 2.18% | 0.27% | -4.89% | -447 bps | |
| Share Growth (YoY) | 0.25% | 1.97% | 2.97% | 4.73% | 5.95% | 6.08% | 4.03% | 2.46% | -226 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.56% | 0.90% | 0.63% | 0.49% | 1.06% | 0.71% | 0.24% | 0.80% | +31 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 | 13.12% | 13.19% | 12.85% | 13.19% | 13.13% | 13.24% | 13.30% | 13.56% | +37 bps | |
| Net Worth / Assets | 13.12% | 13.19% | 12.85% | 13.19% | 13.13% | 13.24% | 13.30% | 13.56% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.36% | 69.45% | 66.13% | 68.88% | 68.34% | 66.89% | 63.74% | 63.94% | -494 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |