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 | |