Vancouver, WA · Charter 68186
NCUA · 16 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
82
Asset Quality
32
Profitability
78
Liquidity
79
Efficiency
89
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.
Vancouver, WA · Charter 68186
NCUA · 16 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 | 1.02% | 0.92% | 1.05% | 1.17% | 1.25% | 1.20% | 1.34% | 1.28% | +11 bps | |
| Return on Equity | 8.48% | 7.58% | 8.51% | 9.31% | 9.81% | 9.34% | 10.31% | 9.61% | +29 bps | |
| Net Interest Margin | 3.28% | 3.28% | 3.54% | 3.60% | 3.64% | 3.60% | 3.69% | 3.75% | +15 bps | |
| Efficiency Ratio | 63.30% | 64.50% | 59.89% | 58.93% | 57.65% | 58.11% | 60.42% | 59.22% | +28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.66% | 4.76% | 1.58% | 1.77% | 3.21% | 4.53% | 5.01% | 4.29% | +252 bps | |
| Loan Growth (YoY) | 3.54% | 4.80% | 5.12% | 5.63% | 5.48% | 4.05% | 1.25% | 0.11% | -552 bps | |
| Share Growth (YoY) | 0.20% | 1.24% | 2.81% | 3.10% | 4.49% | 5.47% | 3.93% | 3.31% | +20 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.53% | 0.99% | 0.76% | 0.85% | 0.89% | 1.02% | 0.92% | 0.93% | +8 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 | 12.07% | 12.15% | 12.31% | 12.55% | 12.79% | 12.82% | 12.99% | 13.29% | +74 bps | |
| Net Worth / Assets | 12.07% | 12.15% | 12.31% | 12.55% | 12.79% | 12.82% | 12.99% | 13.29% | +74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.62% | 94.37% | 92.34% | 94.28% | 94.51% | 93.10% | 89.96% | 91.37% | -292 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Vancouver, WA · Charter 68186 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 16 branches
Q2 2026
Return on Assets
1.28%
Rank 70 of 435
Net Interest Margin
3.75%
Rank 108 of 435
Efficiency Ratio
59.22%
Rank 47 of 435
Equity / Assets
13.29%
Rank 79 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.28% | 0.55% | 0.81% | 1.14% | Beats 84% | 70 / 435 | ||
| Return on Equity | 9.61% | 5.12% | 7.41% | 9.70% | Beats 74% | 113 / 435 | ||
| Net Interest Margin | 3.75% | 3.01% | 3.39% | 3.75% | Beats 75% | 108 / 435 | ||
| Efficiency Ratio | 59.22% | 65.25% | 71.39% | 77.86% | Beats 89% | 47 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.93% | 0.45% | 0.69% | 1.05% | Beats 32% | 298 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.29% | 9.81% | 10.84% | 12.63% | Beats 82% | 79 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.29% | 9.81% | 10.84% | 12.63% | Beats 82% | 79 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 91.37% | 78.33% | 88.38% | 95.61% | 60th pctl | 174 / 435 | ||
| Loans / Assets | 78.95% | 67.69% | 74.58% | 80.80% | 66th pctl | 149 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||