Port Angeles, WA · Charter 68231
NCUA · 1 branch
Q1 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
60
Asset Quality
56
Profitability
54
Liquidity
17
Efficiency
66
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.
Port Angeles, WA · Charter 68231
NCUA · 1 branch
Q1 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 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.18% | 1.09% | 1.06% | 0.81% | 0.81% | 0.80% | 0.80% | 0.88% | +7 bps | |
| Return on Equity | 9.12% | 8.29% | 8.06% | 6.01% | 5.97% | 5.76% | 5.80% | 6.32% | +30 bps | |
| Net Interest Margin | 3.73% | 3.77% | 3.76% | 3.74% | 3.75% | 3.85% | 3.79% | 3.68% | -6 bps | |
| Efficiency Ratio | 65.01% | 70.06% | 71.42% | 74.29% | 73.95% | 75.80% | 76.76% | 73.65% | -64 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.87% | 2.15% | 2.46% | 1.15% | 1.89% | 0.28% | 1.25% | 2.31% | +116 bps | |
| Loan Growth (YoY) | 2.33% | -0.58% | -4.26% | -6.48% | -6.66% | -6.99% | -6.89% | -7.46% | -98 bps | |
| Share Growth (YoY) | -0.65% | 1.73% | 2.45% | 0.89% | 1.15% | -0.49% | 0.42% | 1.92% | +103 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.06% | 0.78% | 0.59% | 0.68% | 2.74% | 0.45% | 0.51% | 0.49% | -19 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 | 12.96% | 13.10% | 13.20% | 13.48% | 13.49% | 13.84% | 13.73% | 13.88% | +41 bps | |
| Net Worth / Assets | 12.96% | 13.10% | 13.20% | 13.48% | 13.49% | 13.84% | 13.73% | 13.88% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.85% | 49.43% | 48.49% | 48.15% | 46.92% | 46.20% | 44.96% | 43.72% | -443 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Port Angeles, WA · Charter 68231 · Peer group: credit unions under $1B in assets (n=1,674-1,677)
NCUA · 1 branch
Q1 2026
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.88% | 0.29% | 0.71% | 1.15% | Beats 60% | 667 / 1,677 | ||
| Return on Equity | 6.33% | 2.30% | 5.46% | 8.75% | Beats 57% | 718 / 1,674 | ||
| Net Interest Margin | 3.68% | 3.27% | 3.78% | 4.29% | Beats 45% | 920 / 1,676 | ||
| Efficiency Ratio | 73.62% | 69.04% | 78.86% | 87.73% | Beats 66% | 574 / 1,674 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.49% | 0.23% | 0.59% | 1.15% | Beats 56% | 731 / 1,675 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.88% | 10.32% | 12.68% | 16.26% | Beats 60% | 664 / 1,677 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.88% | 10.32% | 12.68% | 16.26% | Beats 60% | 663 / 1,676 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 43.72% | 52.64% | 68.65% | 82.42% | 15th pctl | 1,430 / 1,676 | ||
| Loans / Assets | 37.45% | 44.39% | 58.63% | 70.08% | 16th pctl | 1,412 / 1,676 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||