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 | |