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Mountaincrest

Arlington, WA · Charter 68253

NCUA · 2 branches

Q2 2026

$152.9MAssets
$98.0MLoans
$130.9MShares
$22.1MNet 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 0.99%, down 13 bps year over year; NIM at 4.37%.
  • Asset quality: problem loans at 2.22% of loans (+137 bps YoY).
  • Capital: net worth / assets of 14.42%, up 101 bps from a year ago.
  • Funding: loans stand at 74.83% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.99%-13 bps YoY

Net Interest Margin (quarter, annualized)

4.37%+13 bps YoY

Efficiency Ratio (quarter, annualized)

70.16%+121 bps YoY

Net Worth / Assets

14.42%+101 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.12%1.19%1.26%0.74%0.99%-13 bps
Return on Equity8.34%8.75%9.06%5.31%6.88%-146 bps
Net Interest Margin4.24%4.27%4.30%4.23%4.37%+13 bps
Efficiency Ratio68.95%67.39%65.40%74.85%70.16%+121 bps
Growth
Asset Growth (YoY)5.38%7.66%5.43%4.23%1.28%-409 bps
Loan Growth (YoY)-5.63%1.04%3.49%4.87%4.44%+1,007 bps
Share Growth (YoY)4.89%7.33%4.94%3.49%0.01%-488 bps
Asset Quality
Delinquent Loans / Loans0.85%1.48%1.87%1.63%2.22%+137 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 Capital13.41%13.64%13.88%13.94%14.42%+101 bps
Net Worth / Assets13.41%13.64%13.88%13.94%14.42%+101 bps
Liquidity & Funding
Loans / Shares71.65%72.89%72.90%72.66%74.83%+318 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps