PackageTrendsPeer
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Qualstar

Bothell, WA · Charter 68223

NCUA · 5 branches

Q2 2026

$939.3MAssets
$567.2MLoans
$774.6MShares
$150.6MNet 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 1.40%, up 49 bps year over year; NIM at 4.06%.
  • Asset quality: problem loans at 1.41% of loans (-38 bps YoY).
  • Capital: net worth / assets of 16.03%, up 9 bps from a year ago.
  • Funding: loans stand at 73.23% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.40%+49 bps YoY

Net Interest Margin (quarter, annualized)

4.06%+7 bps YoY

Efficiency Ratio (quarter, annualized)

51.92%-159 bps YoY

Net Worth / Assets

16.03%+9 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.91%1.38%1.17%1.41%1.40%+49 bps
Return on Equity5.68%8.64%7.36%8.82%8.72%+304 bps
Net Interest Margin3.99%4.05%4.07%4.14%4.06%+7 bps
Efficiency Ratio53.52%51.09%50.95%53.42%51.92%-159 bps
Growth
Asset Growth (YoY)8.46%8.43%8.37%5.74%7.45%-101 bps
Loan Growth (YoY)8.04%9.47%7.21%6.33%3.98%-406 bps
Share Growth (YoY)8.11%7.92%8.15%5.03%6.50%-161 bps
Asset Quality
Delinquent Loans / Loans1.79%1.28%1.51%1.27%1.41%-38 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 Capital15.94%16.00%15.96%15.95%16.03%+9 bps
Net Worth / Assets15.94%16.00%15.96%15.95%16.03%+9 bps
Liquidity & Funding
Loans / Shares75.01%76.52%76.22%73.61%73.23%-178 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps