Spokane, WA · Charter 68205
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |