Yakima, WA · Charter 68061
NCUA · 4 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
79
Asset Quality
63
Profitability
17
Liquidity
0
Efficiency
26
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.
Yakima, WA · Charter 68061
NCUA · 4 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.51% | 0.63% | 0.56% | 0.18% | 0.00% | -51 bps | |
| Return on Equity | 3.00% | 3.67% | 3.29% | 1.08% | 0.03% | -297 bps | |
| Net Interest Margin | 3.21% | 3.21% | 3.15% | 3.13% | 3.39% | +18 bps | |
| Efficiency Ratio | 83.08% | 80.47% | 81.51% | 88.38% | 86.62% | +354 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.11% | -0.30% | 2.50% | 3.62% | -1.28% | -17 bps | |
| Loan Growth (YoY) | 0.07% | -1.40% | -2.68% | -1.25% | 1.12% | +106 bps | |
| Share Growth (YoY) | -3.20% | -2.66% | 2.45% | 3.09% | -0.78% | +241 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.35% | 0.10% | 0.21% | 0.17% | 0.44% | +9 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.10% | 17.09% | 16.99% | 16.76% | 17.60% | +51 bps | |
| Net Worth / Assets | 17.10% | 17.09% | 16.99% | 16.76% | 17.60% | +51 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 107.15% | 105.82% | 103.22% | 102.41% | 109.21% | +206 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Yakima, WA · Charter 68061 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
0.00%
Rank 1,476 of 1,683
Net Interest Margin
3.39%
Rank 1,207 of 1,683
Efficiency Ratio
86.62%
Rank 1,249 of 1,682
Equity / Assets
17.60%
Rank 353 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.00% | 0.35% | 0.74% | 1.18% | Beats 12% | 1,476 / 1,683 | |
| Return on Equity | 0.03% | 2.67% | 5.89% | 8.74% | Beats 12% | 1,477 / 1,681 | |
| Net Interest Margin | 3.39% | 3.31% | 3.82% | 4.32% | Beats 28% | 1,207 / 1,683 | |
| Efficiency Ratio | 86.62% | 68.91% | 78.20% | 86.93% | Beats 26% | 1,249 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.44% | 0.26% | 0.65% | 1.29% | Beats 63% | 621 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 17.60% | 10.44% | 12.89% | 16.53% | Beats 79% | 353 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 17.60% | 10.44% | 12.89% | 16.53% | Beats 79% | 353 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 109.21% | 52.61% | 69.38% | 83.50% | 99th pctl | 20 / 1,683 | |
| Loans / Assets | 84.10% | 44.71% | 59.18% | 70.72% | 96th pctl | 59 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||