Richland, WA · Charter 68239
NCUA · 22 branches
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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
57
Asset Quality
97
Profitability
92
Liquidity
81
Efficiency
75
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.
Richland, WA · Charter 68239
NCUA · 22 branches
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 | 1.45% | 1.41% | 1.28% | 1.34% | 1.13% | 1.19% | 1.38% | 1.56% | +23 bps | |
| Return on Equity | 12.84% | 12.12% | 10.87% | 11.00% | 11.31% | 11.68% | 13.26% | 13.95% | +294 bps | |
| Net Interest Margin | 3.77% | 3.81% | 3.86% | 3.96% | 3.34% | 3.48% | 3.79% | 3.98% | +2 bps | |
| Efficiency Ratio | 65.73% | 66.68% | 68.65% | 66.03% | 67.18% | 67.54% | 67.75% | 65.67% | -36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.77% | 0.07% | -1.32% | 0.65% | 27.27% | 28.44% | 28.70% | 24.76% | +2,412 bps | |
| Loan Growth (YoY) | -2.58% | -0.12% | -0.79% | 0.56% | 17.14% | 15.33% | 14.67% | 15.03% | +1,447 bps | |
| Share Growth (YoY) | -0.96% | 0.56% | 0.04% | 1.00% | 32.01% | 33.33% | 32.65% | 29.41% | +2,841 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.34% | 0.34% | 0.31% | 0.39% | 0.29% | 0.29% | 0.19% | 0.18% | -21 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 | 11.28% | 11.59% | 11.77% | 12.15% | 9.96% | 10.22% | 10.42% | 11.20% | -95 bps | |
| Net Worth / Assets | 11.28% | 11.59% | 11.77% | 12.15% | 9.96% | 10.22% | 10.42% | 11.20% | -95 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.74% | 96.33% | 92.94% | 94.32% | 84.95% | 83.32% | 80.35% | 83.84% | -1,048 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Richland, WA · Charter 68239 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 22 branches
Q2 2026
Return on Assets
1.56%
Rank 30 of 435
Net Interest Margin
3.98%
Rank 57 of 435
Efficiency Ratio
65.67%
Rank 111 of 435
Equity / Assets
11.20%
Rank 189 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.56% | 0.55% | 0.81% | 1.14% | Beats 93% | 30 / 435 | ||
| Return on Equity | 13.95% | 5.12% | 7.41% | 9.70% | Beats 97% | 13 / 435 | ||
| Net Interest Margin | 3.98% | 3.01% | 3.39% | 3.75% | Beats 87% | 57 / 435 | ||
| Efficiency Ratio | 65.67% | 65.25% | 71.39% | 77.86% | Beats 75% | 111 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.18% | 0.45% | 0.69% | 1.05% | Beats 97% | 16 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.20% | 9.81% | 10.84% | 12.63% | Beats 57% | 189 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.20% | 9.81% | 10.84% | 12.63% | Beats 57% | 189 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 83.84% | 78.33% | 88.38% | 95.61% | 37th pctl | 272 / 435 | ||
| Loans / Assets | 72.12% | 67.69% | 74.58% | 80.80% | 39th pctl | 265 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||