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 | |