Bothell, WA · Charter 68223
NCUA · 5 branches
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
82
Asset Quality
32
Profitability
80
Liquidity
68
Efficiency
91
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.
Bothell, WA · Charter 68223
NCUA · 5 branches
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 | 1.40% | 1.09% | 0.84% | 0.91% | 1.38% | 1.17% | 1.41% | 1.40% | +49 bps | |
| Return on Equity | 9.24% | 7.24% | 5.81% | 5.68% | 8.64% | 7.36% | 8.82% | 8.72% | +304 bps | |
| Net Interest Margin | 3.74% | 3.53% | 3.75% | 3.99% | 4.05% | 4.07% | 4.14% | 4.06% | +7 bps | |
| Efficiency Ratio | 53.89% | 57.61% | 55.15% | 53.52% | 51.09% | 50.95% | 53.42% | 51.92% | -159 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -16.52% | -15.38% | -13.07% | 8.46% | 8.43% | 8.37% | 5.74% | 7.45% | -101 bps | |
| Loan Growth (YoY) | 3.35% | 5.33% | 5.24% | 8.04% | 9.47% | 7.21% | 6.33% | 3.98% | -406 bps | |
| Share Growth (YoY) | 3.35% | 5.10% | 7.93% | 8.11% | 7.92% | 8.15% | 5.03% | 6.50% | -161 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.10% | 2.41% | 1.81% | 1.79% | 1.28% | 1.51% | 1.27% | 1.41% | -38 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 | 15.14% | 15.01% | 14.52% | 15.94% | 16.00% | 15.96% | 15.95% | 16.03% | +9 bps | |
| Net Worth / Assets | 15.14% | 15.01% | 14.52% | 15.94% | 16.00% | 15.96% | 15.95% | 16.03% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.44% | 76.88% | 72.71% | 75.01% | 76.52% | 76.22% | 73.61% | 73.23% | -178 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bothell, WA · Charter 68223 · Peer group: credit unions under $1B in assets in the Seattle-Tacoma-Bellevue, WA area (n=22)
NCUA · 5 branches
Q2 2026
Return on Assets
1.40%
Rank 3 of 22
Net Interest Margin
4.06%
Rank 7 of 22
Efficiency Ratio
51.93%
Rank 3 of 22
Equity / Assets
16.03%
Rank 4 of 22
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.40% | 0.11% | 0.57% | 0.99% | Beats 86% | 3 / 22 | ||
| Return on Equity | 8.72% | 0.85% | 3.93% | 5.70% | Beats 86% | 3 / 22 | ||
| Net Interest Margin | 4.06% | 3.17% | 3.57% | 4.25% | Beats 68% | 7 / 22 | ||
| Efficiency Ratio | 51.93% | 65.75% | 80.47% | 91.31% | Beats 91% | 3 / 22 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.41% | 0.34% | 0.86% | 1.42% | Beats 32% | 16 / 22 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.03% | 10.62% | 13.36% | 14.42% | Beats 82% | 4 / 22 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.03% | 10.62% | 13.36% | 14.42% | Beats 82% | 4 / 22 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 73.23% | 61.01% | 65.58% | 83.83% | 55th pctl | 10 / 22 | ||
| Loans / Assets | 60.39% | 47.64% | 55.55% | 72.11% | 55th pctl | 10 / 22 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||