Everett, WA · Charter 68222
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 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
91
Asset Quality
14
Profitability
65
Liquidity
0
Efficiency
59
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.
Everett, WA · Charter 68222
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.04% | -0.16% | -0.08% | 1.26% | 0.71% | +74 bps | |
| Return on Equity | -0.16% | -0.72% | -0.35% | 5.60% | 3.14% | +330 bps | |
| Net Interest Margin | 4.67% | 4.86% | 4.92% | 5.06% | 4.91% | +25 bps | |
| Efficiency Ratio | 82.78% | 83.73% | 81.06% | 68.85% | 73.36% | -941 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.57% | -0.52% | -0.06% | -5.46% | -4.18% | +39 bps | |
| Loan Growth (YoY) | 6.39% | 18.17% | 16.36% | 8.15% | -8.81% | -1,520 bps | |
| Share Growth (YoY) | -5.96% | -0.26% | -0.08% | -6.16% | -4.38% | +158 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.37% | 2.23% | 2.28% | 2.61% | 2.18% | -19 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.44% | 22.47% | 22.52% | 22.54% | 22.46% | +2 bps | |
| Net Worth / Assets | 22.44% | 22.47% | 22.52% | 22.54% | 22.46% | +2 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 97.35% | 106.24% | 101.67% | 101.84% | 92.84% | -451 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Everett, WA · Charter 68222 · Peer group: credit unions under $1B in assets in the Seattle-Tacoma-Bellevue, WA area (n=22)
NCUA · 1 branch
Q2 2026
Return on Assets
0.70%
Rank 8 of 22
Net Interest Margin
4.91%
Rank 3 of 22
Efficiency Ratio
73.38%
Rank 10 of 22
Equity / Assets
22.46%
Rank 2 of 22
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.70% | 0.11% | 0.57% | 0.99% | Beats 64% | 8 / 22 | |
| Return on Equity | 3.14% | 0.85% | 3.93% | 5.70% | Beats 45% | 12 / 22 | |
| Net Interest Margin | 4.91% | 3.17% | 3.57% | 4.25% | Beats 86% | 3 / 22 | |
| Efficiency Ratio | 73.38% | 65.75% | 80.47% | 91.31% | Beats 59% | 10 / 22 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.18% | 0.34% | 0.86% | 1.42% | Beats 14% | 20 / 22 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 22.46% | 10.62% | 13.36% | 14.42% | Beats 91% | 2 / 22 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 22.46% | 10.62% | 13.36% | 14.42% | Beats 91% | 2 / 22 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 92.84% | 61.01% | 65.58% | 83.83% | 91st pctl | 2 / 22 | |
| Loans / Assets | 72.07% | 47.64% | 55.55% | 72.11% | 68th pctl | 7 / 22 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||