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Port Angeles, WA · Charter 68231

NCUA · 1 branch

Q1 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

Quarter: Q1 2026, the quarter ended March 31, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets (n=1,674 to 1,677). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

60

Q2 2024Q1 2026peer median (50)

Asset Quality

56

Q2 2024Q1 2026peer median (50)

Profitability

54

Q2 2024Q1 2026peer median (50)

Liquidity

17

Q2 2024Q1 2026peer median

Efficiency

66

Q2 2024Q1 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Strait View

Port Angeles, WA · Charter 68231

NCUA · 1 branch

Q1 2026

$105.7MAssets
$39.6MLoans
$90.5MShares
$14.7MNet 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 0.88%, up 7 bps year over year; NIM at 3.68%.
  • Asset quality: problem loans at 0.49% of loans (-19 bps YoY).
  • Capital: net worth / assets of 13.88%, up 41 bps from a year ago.
  • Funding: loans stand at 43.72% of shares as of Q1 2026.

Financial Results

Return on Assets (YTD, annualized)

0.88%+7 bps YoY

Net Interest Margin (YTD, annualized)

3.68%-6 bps YoY

Efficiency Ratio (YTD, annualized)

73.65%-64 bps YoY

Net Worth / Assets

13.88%+41 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2025Q2 2025Q3 2025Q4 2025Q1 2026YoY ΔTrend
Earnings
Return on Assets0.81%0.81%0.80%0.80%0.88%+7 bps
Return on Equity6.01%5.97%5.76%5.80%6.32%+30 bps
Net Interest Margin3.74%3.75%3.85%3.79%3.68%-6 bps
Efficiency Ratio74.29%73.95%75.80%76.76%73.65%-64 bps
Growth
Asset Growth (YoY)1.15%1.89%0.28%1.25%2.31%+116 bps
Loan Growth (YoY)-6.48%-6.66%-6.99%-6.89%-7.46%-98 bps
Share Growth (YoY)0.89%1.15%-0.49%0.42%1.92%+103 bps
Asset Quality
Delinquent Loans / Loans0.68%2.74%0.45%0.51%0.49%-19 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 Capital13.48%13.49%13.84%13.73%13.88%+41 bps
Net Worth / Assets13.48%13.49%13.84%13.73%13.88%+41 bps
Liquidity & Funding
Loans / Shares48.15%46.92%46.20%44.96%43.72%-443 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Strait View

Port Angeles, WA · Charter 68231 · Peer group: credit unions under $1B in assets (n=1,674-1,677)

NCUA · 1 branch

Q1 2026

$105.7MAssets
$39.6MLoans
$90.5MShares
$14.7MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 66% of credit unions under $1B in assets (rank 574 of 1674).
  • Widest gap: net interest margin trails 55% of credit unions under $1B in assets (rank 920 of 1676).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

0.88%

Rank 667 of 1,677

Net Interest Margin

3.68%

Rank 920 of 1,676

Efficiency Ratio

73.62%

Rank 574 of 1,674

Equity / Assets

13.88%

Rank 663 of 1,676

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.88%0.29%0.71%1.15%Beats 60%667 / 1,677
Return on Equity6.33%2.30%5.46%8.75%Beats 57%718 / 1,674
Net Interest Margin3.68%3.27%3.78%4.29%Beats 45%920 / 1,676
Efficiency Ratio73.62%69.04%78.86%87.73%Beats 66%574 / 1,674
Asset Quality
Nonperforming Loans / Loans0.49%0.23%0.59%1.15%Beats 56%731 / 1,675
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio13.88%10.32%12.68%16.26%Beats 60%664 / 1,677
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets13.88%10.32%12.68%16.26%Beats 60%663 / 1,676
Liquidity & Funding
Loans / Deposits43.72%52.64%68.65%82.42%15th pctl1,430 / 1,676
Loans / Assets37.45%44.39%58.63%70.08%16th pctl1,412 / 1,676
Brokered Deposits / Depositsn/aNot reported for this institution