Bellevue, WA · Charter 68204
NCUA · 4 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 under $1B in assets in the Seattle-Tacoma-Bellevue, WA area (n=22). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
27
Asset Quality
68
Profitability
29
Liquidity
27
Efficiency
27
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.
Bellevue, WA · Charter 68204
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 | 0.26% | 0.27% | 0.27% | 0.35% | 0.41% | 0.52% | 0.25% | 0.23% | -12 bps | |
| Return on Equity | 3.16% | 3.45% | 3.41% | 4.20% | 4.87% | 4.64% | 2.32% | 2.01% | -219 bps | |
| Net Interest Margin | 2.46% | 2.41% | 2.53% | 2.68% | 2.77% | 2.69% | 2.60% | 2.68% | 0 bps | |
| Efficiency Ratio | 90.33% | 89.48% | 89.56% | 87.37% | 86.20% | 81.36% | 92.55% | 91.32% | +395 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.21% | 3.05% | 2.51% | 0.45% | 0.68% | 2.26% | 5.12% | 5.89% | +544 bps | |
| Loan Growth (YoY) | 1.84% | -3.78% | -5.74% | -5.78% | -5.48% | -4.74% | -7.20% | -9.78% | -400 bps | |
| Share Growth (YoY) | 3.98% | 2.72% | 2.51% | 0.12% | 0.36% | 2.13% | 5.42% | 6.34% | +622 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.26% | 0.26% | 0.27% | 0.27% | 0.39% | 0.45% | 0.61% | 0.57% | +30 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 | 8.12% | 7.96% | 7.95% | 8.29% | 8.46% | 11.29% | 10.93% | 11.23% | +294 bps | |
| Net Worth / Assets | 8.12% | 7.96% | 7.95% | 8.29% | 8.46% | 11.29% | 10.93% | 11.23% | +294 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 104.75% | 99.95% | 96.82% | 98.81% | 98.65% | 93.23% | 85.23% | 83.83% | -1,498 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bellevue, WA · Charter 68204 · Peer group: credit unions under $1B in assets in the Seattle-Tacoma-Bellevue, WA area (n=22)
NCUA · 4 branches
Q2 2026
Return on Assets
0.23%
Rank 14 of 22
Net Interest Margin
2.68%
Rank 19 of 22
Efficiency Ratio
91.31%
Rank 17 of 22
Equity / Assets
11.23%
Rank 16 of 22
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.23% | 0.11% | 0.57% | 0.99% | Beats 36% | 14 / 22 | ||
| Return on Equity | 2.01% | 0.85% | 3.93% | 5.70% | Beats 36% | 14 / 22 | ||
| Net Interest Margin | 2.68% | 3.17% | 3.57% | 4.25% | Beats 14% | 19 / 22 | ||
| Efficiency Ratio | 91.31% | 65.75% | 80.47% | 91.31% | Beats 27% | 17 / 22 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.57% | 0.34% | 0.86% | 1.42% | Beats 68% | 8 / 22 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.23% | 10.62% | 13.36% | 14.42% | Beats 27% | 16 / 22 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.23% | 10.62% | 13.36% | 14.42% | Beats 27% | 16 / 22 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 83.83% | 61.01% | 65.58% | 83.83% | 73rd pctl | 6 / 22 | ||
| Loans / Assets | 73.77% | 47.64% | 55.55% | 72.11% | 77th pctl | 5 / 22 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||