PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Mill Town

Everett, WA · Charter 68222

NCUA · 1 branch

Q2 2026

$59.9MAssets
$43.1MLoans
$46.5MShares
$13.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.71%, up 74 bps year over year; NIM at 4.91%.
  • Asset quality: problem loans at 2.18% of loans (-19 bps YoY).
  • Capital: net worth / assets of 22.46%, up 2 bps from a year ago.
  • Funding: loans stand at 92.84% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.71%+74 bps YoY

Net Interest Margin (YTD, annualized)

4.91%+25 bps YoY

Efficiency Ratio (YTD, annualized)

73.36%-941 bps YoY

Net Worth / Assets

22.46%+2 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
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 Margin4.67%4.86%4.92%5.06%4.91%+25 bps
Efficiency Ratio82.78%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 / Loans2.37%2.23%2.28%2.61%2.18%-19 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital22.44%22.47%22.52%22.54%22.46%+2 bps
Net Worth / Assets22.44%22.47%22.52%22.54%22.46%+2 bps
Liquidity & Funding
Loans / Shares97.35%106.24%101.67%101.84%92.84%-451 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps