Tacoma, WA · Charter 68229
NCUA · 1 branch
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
64
Asset Quality
95
Profitability
37
Liquidity
0
Efficiency
73
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.
Tacoma, WA · Charter 68229
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 | 0.22% | 0.24% | 0.55% | 0.55% | 0.56% | 0.55% | 0.63% | 0.59% | +3 bps | |
| Return on Equity | 1.67% | 1.83% | 4.25% | 4.17% | 4.19% | 4.12% | 4.70% | 4.32% | +15 bps | |
| Net Interest Margin | 1.31% | 1.35% | 1.61% | 1.60% | 1.61% | 1.61% | 1.77% | 1.73% | +13 bps | |
| Efficiency Ratio | 83.95% | 83.21% | 68.08% | 68.81% | 68.81% | 69.23% | 66.78% | 68.24% | -58 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.77% | -4.19% | -3.04% | -2.56% | 0.27% | 1.00% | 0.61% | 1.96% | +452 bps | |
| Loan Growth (YoY) | 3.80% | 1.43% | 3.20% | 7.48% | 12.34% | 4.44% | 1.53% | -6.69% | -1,417 bps | |
| Share Growth (YoY) | -6.84% | -5.00% | -3.83% | -3.41% | -0.32% | 0.54% | -0.02% | 1.63% | +504 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.05% | 0.05% | 0.01% | 0.04% | 0.07% | +1 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 | 12.90% | 12.86% | 12.90% | 13.26% | 13.37% | 13.28% | 13.38% | 13.57% | +31 bps | |
| Net Worth / Assets | 12.90% | 12.86% | 12.90% | 13.26% | 13.37% | 13.28% | 13.38% | 13.57% | +31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 29.52% | 30.13% | 29.84% | 32.02% | 33.27% | 31.30% | 30.31% | 29.40% | -262 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Tacoma, WA · Charter 68229 · Peer group: credit unions under $1B in assets in the Seattle-Tacoma-Bellevue, WA area (n=22)
NCUA · 1 branch
Q2 2026
Return on Assets
0.59%
Rank 10 of 22
Net Interest Margin
1.73%
Rank 22 of 22
Efficiency Ratio
68.24%
Rank 7 of 22
Equity / Assets
13.57%
Rank 8 of 22
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.59% | 0.11% | 0.57% | 0.99% | Beats 55% | 10 / 22 | ||
| Return on Equity | 4.32% | 0.85% | 3.93% | 5.70% | Beats 55% | 10 / 22 | ||
| Net Interest Margin | 1.73% | 3.17% | 3.57% | 4.25% | Beats 0% | 22 / 22 | ||
| Efficiency Ratio | 68.24% | 65.75% | 80.47% | 91.31% | Beats 73% | 7 / 22 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.07% | 0.34% | 0.86% | 1.42% | Beats 95% | 2 / 22 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.57% | 10.62% | 13.36% | 14.42% | Beats 64% | 8 / 22 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.57% | 10.62% | 13.36% | 14.42% | Beats 64% | 8 / 22 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 29.40% | 61.01% | 65.58% | 83.83% | 0th pctl | 22 / 22 | ||
| Loans / Assets | 25.46% | 47.64% | 55.55% | 72.11% | 0th pctl | 22 / 22 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||