Yakima, WA · Charter 68061
NCUA · 4 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 | 0.48% | 0.46% | 0.32% | 0.51% | 0.63% | 0.56% | 0.18% | 0.00% | -51 bps | |
| Return on Equity | 2.91% | 2.73% | 1.89% | 3.00% | 3.67% | 3.29% | 1.08% | 0.03% | -297 bps | |
| Net Interest Margin | 2.99% | 3.09% | 3.21% | 3.21% | 3.21% | 3.15% | 3.13% | 3.39% | +18 bps | |
| Efficiency Ratio | 87.14% | 85.59% | 84.43% | 83.08% | 80.47% | 81.51% | 88.38% | 86.62% | +354 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.33% | -6.09% | -7.84% | -1.11% | -0.30% | 2.50% | 3.62% | -1.28% | -17 bps | |
| Loan Growth (YoY) | 2.34% | 2.50% | 1.04% | 0.07% | -1.40% | -2.68% | -1.25% | 1.12% | +106 bps | |
| Share Growth (YoY) | 2.38% | -1.18% | -2.95% | -3.20% | -2.66% | 2.45% | 3.09% | -0.78% | +241 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.42% | 0.55% | 0.29% | 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 | 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 | 16.52% | 16.88% | 16.87% | 17.10% | 17.09% | 16.99% | 16.76% | 17.60% | +51 bps | |
| Net Worth / Assets | 16.52% | 16.88% | 16.87% | 17.10% | 17.09% | 16.99% | 16.76% | 17.60% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 104.46% | 108.65% | 106.90% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |