Spokane, WA · Charter 68205
NCUA · 1 branch
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
64
Asset Quality
83
Profitability
42
Liquidity
91
Efficiency
46
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.
Spokane, WA · Charter 68205
NCUA · 1 branch
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 | 0.23% | 0.34% | 0.45% | 0.65% | 0.73% | 0.64% | 0.22% | 0.86% | +22 bps | |
| Return on Equity | 1.65% | 2.37% | 3.10% | 4.37% | 5.01% | 4.45% | 1.54% | 5.96% | +159 bps | |
| Net Interest Margin | 2.35% | 2.52% | 2.93% | 3.01% | 3.03% | 2.98% | 3.08% | 3.16% | +15 bps | |
| Efficiency Ratio | 82.83% | 81.76% | 81.93% | 78.72% | 77.31% | 79.81% | 89.76% | 79.64% | +92 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.95% | 1.32% | 3.39% | 0.45% | 0.22% | 5.56% | 6.51% | 7.27% | +683 bps | |
| Loan Growth (YoY) | -2.16% | -2.21% | -2.61% | -0.46% | 4.74% | 8.67% | 9.01% | 6.80% | +726 bps | |
| Share Growth (YoY) | 2.77% | 2.34% | 5.02% | 0.08% | 2.40% | 5.71% | 6.89% | 7.51% | +744 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.31% | 0.13% | 0.05% | 0.07% | 0.15% | 0.17% | 0.14% | 0.15% | +9 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 | 13.94% | 14.56% | 14.42% | 14.75% | 14.62% | 14.43% | 14.11% | 14.51% | -24 bps | |
| Net Worth / Assets | 13.94% | 14.56% | 14.42% | 14.75% | 14.62% | 14.43% | 14.11% | 14.51% | -24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.37% | 67.83% | 65.06% | 67.18% | 68.91% | 69.73% | 66.35% | 66.73% | -45 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Spokane, WA · Charter 68205 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.87%
Rank 722 of 1,683
Net Interest Margin
3.16%
Rank 1,360 of 1,683
Efficiency Ratio
79.63%
Rank 915 of 1,682
Equity / Assets
14.51%
Rank 602 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.87% | 0.35% | 0.74% | 1.18% | Beats 57% | 722 / 1,683 | ||
| Return on Equity | 5.97% | 2.67% | 5.89% | 8.74% | Beats 51% | 827 / 1,681 | ||
| Net Interest Margin | 3.16% | 3.31% | 3.82% | 4.32% | Beats 19% | 1,360 / 1,683 | ||
| Efficiency Ratio | 79.63% | 68.91% | 78.20% | 86.93% | Beats 46% | 915 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.15% | 0.26% | 0.65% | 1.29% | Beats 83% | 294 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.51% | 10.44% | 12.89% | 16.53% | Beats 64% | 602 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.51% | 10.44% | 12.89% | 16.53% | Beats 64% | 602 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 66.73% | 52.61% | 69.38% | 83.50% | 45th pctl | 926 / 1,683 | ||
| Loans / Assets | 56.57% | 44.71% | 59.18% | 70.72% | 45th pctl | 934 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||