PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 (quarter, annualized)

0.88%+7 bps YoY

Net Interest Margin (quarter, annualized)

3.68%-6 bps YoY

Efficiency Ratio (quarter, annualized)

73.65%-64 bps YoY

Net Worth / Assets

13.88%+41 bps YoY

Discrete quarter, annualized.

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