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 | |