Liberty Lake, WA · Charter 68203
NCUA · 53 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
38
Asset Quality
13
Profitability
43
Liquidity
41
Efficiency
56
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.
Liberty Lake, WA · Charter 68203
NCUA · 53 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 | 0.45% | 0.25% | 0.36% | 0.27% | 0.37% | 0.39% | 0.47% | 0.67% | +40 bps | |
| Return on Equity | 4.16% | 2.32% | 3.45% | 2.75% | 3.74% | 3.88% | 4.57% | 6.43% | +369 bps | |
| Net Interest Margin | 3.12% | 3.10% | 3.07% | 2.96% | 3.05% | 3.17% | 3.46% | 3.48% | +51 bps | |
| Efficiency Ratio | 67.91% | 70.39% | 74.17% | 74.51% | 72.77% | 73.34% | 73.29% | 70.01% | -449 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.58% | 1.09% | 1.03% | 7.83% | 8.84% | 8.05% | 7.65% | 0.69% | -714 bps | |
| Loan Growth (YoY) | 2.87% | 2.32% | 2.99% | 5.02% | 5.42% | 5.47% | 4.65% | 2.36% | -266 bps | |
| Share Growth (YoY) | 2.29% | 4.90% | 4.36% | 13.67% | 14.17% | 11.15% | 11.78% | 1.47% | -1,220 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.63% | 0.40% | 0.32% | 0.41% | 0.42% | 0.46% | 0.88% | 1.39% | +99 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 | 10.80% | 10.72% | 10.52% | 9.88% | 9.94% | 10.14% | 10.17% | 10.38% | +50 bps | |
| Net Worth / Assets | 10.80% | 10.72% | 10.52% | 9.88% | 9.94% | 10.14% | 10.17% | 10.38% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 102.69% | 101.59% | 101.68% | 95.72% | 94.82% | 96.40% | 95.18% | 96.55% | +84 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Liberty Lake, WA · Charter 68203 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 53 branches
Q2 2026
Return on Assets
0.67%
Rank 288 of 435
Net Interest Margin
3.48%
Rank 188 of 435
Efficiency Ratio
70.01%
Rank 194 of 435
Equity / Assets
10.38%
Rank 271 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.67% | 0.55% | 0.81% | 1.14% | Beats 34% | 288 / 435 | ||
| Return on Equity | 6.43% | 5.12% | 7.41% | 9.70% | Beats 37% | 273 / 435 | ||
| Net Interest Margin | 3.48% | 3.01% | 3.39% | 3.75% | Beats 57% | 188 / 435 | ||
| Efficiency Ratio | 70.01% | 65.25% | 71.39% | 77.86% | Beats 56% | 194 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.39% | 0.45% | 0.69% | 1.05% | Beats 13% | 379 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.38% | 9.81% | 10.84% | 12.63% | Beats 38% | 271 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.38% | 9.81% | 10.84% | 12.63% | Beats 38% | 271 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 96.55% | 78.33% | 88.38% | 95.61% | 77th pctl | 99 / 435 | ||
| Loans / Assets | 82.14% | 67.69% | 74.58% | 80.80% | 83rd pctl | 74 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||