Everett, WA · Charter 68222
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 | 0.64% | 0.68% | 0.00% | -0.04% | -0.16% | -0.08% | 1.26% | 0.71% | +74 bps | |
| Return on Equity | 2.86% | 3.03% | 0.02% | -0.16% | -0.72% | -0.35% | 5.60% | 3.14% | +330 bps | |
| Net Interest Margin | 4.47% | 4.51% | 4.52% | 4.67% | 4.86% | 4.92% | 5.06% | 4.91% | +25 bps | |
| Efficiency Ratio | 69.85% | 65.42% | 74.85% | 82.78% | 83.73% | 81.06% | 68.85% | 73.36% | -941 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.27% | -2.92% | -6.64% | -4.57% | -0.52% | -0.06% | -5.46% | -4.18% | +39 bps | |
| Loan Growth (YoY) | -12.65% | -12.82% | -7.62% | 6.39% | 18.17% | 16.36% | 8.15% | -8.81% | -1,520 bps | |
| Share Growth (YoY) | -5.24% | -4.13% | -7.90% | -5.96% | -0.26% | -0.08% | -6.16% | -4.38% | +158 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.05% | 3.79% | 2.58% | 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 | 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 | 22.27% | 22.58% | 22.28% | 22.44% | 22.47% | 22.52% | 22.54% | 22.46% | +2 bps | |
| Net Worth / Assets | 22.27% | 22.58% | 22.28% | 22.44% | 22.47% | 22.52% | 22.54% | 22.46% | +2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.67% | 87.31% | 88.37% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |