Spokane, WA · Charter 67911
NCUA · 3 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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
44
Asset Quality
10
Profitability
20
Liquidity
95
Efficiency
29
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.
Spokane, WA · Charter 67911
NCUA · 3 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 | 0.02% | 0.00% | -0.20% | -0.17% | -0.26% | -0.22% | -1.38% | -1.74% | -157 bps | |
| Return on Equity | 0.18% | 0.02% | -1.63% | -1.39% | -2.12% | -1.80% | -10.88% | -14.04% | -1,265 bps | |
| Net Interest Margin | 3.10% | 3.10% | 3.44% | 3.51% | 3.45% | 3.51% | 3.82% | 3.91% | +40 bps | |
| Efficiency Ratio | 80.69% | 80.65% | 79.24% | 80.84% | 84.04% | 83.99% | 85.83% | 85.21% | +437 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.83% | -0.23% | -6.10% | -5.43% | -3.52% | -4.30% | -7.95% | -8.89% | -345 bps | |
| Loan Growth (YoY) | -4.68% | -8.43% | -10.93% | -8.00% | -10.49% | -11.09% | -12.70% | -9.50% | -150 bps | |
| Share Growth (YoY) | -4.07% | 3.91% | -7.62% | -6.27% | -3.75% | -4.68% | -8.49% | -9.34% | -307 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.14% | 2.55% | 1.92% | 2.19% | 3.39% | 3.17% | 3.24% | 2.57% | +38 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 | 12.02% | 12.05% | 12.14% | 12.18% | 12.24% | 12.35% | 12.64% | 12.36% | +18 bps | |
| Net Worth / Assets | 12.02% | 12.05% | 12.14% | 12.18% | 12.24% | 12.35% | 12.64% | 12.36% | +18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.46% | 68.29% | 66.40% | 67.87% | 65.52% | 63.69% | 63.34% | 67.75% | -12 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Spokane, WA · Charter 67911 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
-1.74%
Rank 1,639 of 1,683
Net Interest Margin
3.91%
Rank 758 of 1,683
Efficiency Ratio
85.25%
Rank 1,196 of 1,682
Equity / Assets
12.36%
Rank 943 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.74% | 0.35% | 0.74% | 1.18% | Beats 3% | 1,639 / 1,683 | ||
| Return on Equity | -14.04% | 2.67% | 5.89% | 8.74% | Beats 3% | 1,638 / 1,681 | ||
| Net Interest Margin | 3.91% | 3.31% | 3.82% | 4.32% | Beats 55% | 758 / 1,683 | ||
| Efficiency Ratio | 85.25% | 68.91% | 78.20% | 86.93% | Beats 29% | 1,196 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.57% | 0.26% | 0.65% | 1.29% | Beats 10% | 1,515 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.36% | 10.44% | 12.89% | 16.53% | Beats 44% | 943 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.36% | 10.44% | 12.89% | 16.53% | Beats 44% | 943 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 67.75% | 52.61% | 69.38% | 83.50% | 47th pctl | 890 / 1,683 | ||
| Loans / Assets | 58.99% | 44.71% | 59.18% | 70.72% | 50th pctl | 848 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||