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 | |