Spokane Valley, WA · Charter 67264
NCUA · 30 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 | 0.13% | 0.20% | 0.42% | 0.52% | 0.62% | 0.64% | 0.55% | 0.64% | +12 bps | |
| Return on Equity | 1.11% | 1.71% | 3.47% | 4.29% | 5.07% | 5.14% | 4.31% | 4.89% | +60 bps | |
| Net Interest Margin | 3.29% | 3.32% | 3.41% | 3.44% | 3.47% | 3.51% | 3.58% | 3.68% | +24 bps | |
| Efficiency Ratio | 84.05% | 83.03% | 78.87% | 77.94% | 76.76% | 76.38% | 76.78% | 76.50% | -144 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.76% | -2.19% | -4.54% | -0.09% | 1.29% | 1.13% | 0.43% | -2.34% | -226 bps | |
| Loan Growth (YoY) | -1.55% | -0.43% | -0.55% | -0.21% | -1.48% | -3.65% | -4.18% | -4.81% | -460 bps | |
| Share Growth (YoY) | -6.02% | -5.05% | -7.78% | -3.46% | -1.09% | -0.61% | 0.01% | -4.28% | -82 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.25% | 0.22% | 0.13% | 0.20% | 0.23% | 0.24% | 0.14% | 0.27% | +7 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 | 11.87% | 11.91% | 12.11% | 12.13% | 12.23% | 12.36% | 12.68% | 13.08% | +94 bps | |
| Net Worth / Assets | 11.87% | 11.91% | 12.11% | 12.13% | 12.23% | 12.36% | 12.68% | 13.08% | +94 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.17% | 100.03% | 100.21% | 99.41% | 96.79% | 96.97% | 96.01% | 98.85% | -56 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |