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Spokane Teachers

Liberty Lake, WA · Charter 68203

NCUA · 53 branches

Q2 2026

$6.4BAssets
$5.2BLoans
$5.4BShares
$662.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.67%, up 40 bps year over year; NIM at 3.48%.
  • Asset quality: problem loans at 1.39% of loans (+99 bps YoY).
  • Capital: net worth / assets of 10.38%, up 50 bps from a year ago.
  • Funding: loans stand at 96.55% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.67%+40 bps YoY

Net Interest Margin (quarter, annualized)

3.48%+51 bps YoY

Efficiency Ratio (quarter, annualized)

70.01%-449 bps YoY

Net Worth / Assets

10.38%+50 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.27%0.37%0.39%0.47%0.67%+40 bps
Return on Equity2.75%3.74%3.88%4.57%6.43%+369 bps
Net Interest Margin2.96%3.05%3.17%3.46%3.48%+51 bps
Efficiency Ratio74.51%72.77%73.34%73.29%70.01%-449 bps
Growth
Asset Growth (YoY)7.83%8.84%8.05%7.65%0.69%-714 bps
Loan Growth (YoY)5.02%5.42%5.47%4.65%2.36%-266 bps
Share Growth (YoY)13.67%14.17%11.15%11.78%1.47%-1,220 bps
Asset Quality
Delinquent Loans / Loans0.41%0.42%0.46%0.88%1.39%+99 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.88%9.94%10.14%10.17%10.38%+50 bps
Net Worth / Assets9.88%9.94%10.14%10.17%10.38%+50 bps
Liquidity & Funding
Loans / Shares95.72%94.82%96.40%95.18%96.55%+84 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps