Silverdale, WA · Charter 68254
NCUA · 2 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 under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
51
Asset Quality
36
Profitability
45
Liquidity
72
Efficiency
9
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.
Silverdale, WA · Charter 68254
NCUA · 2 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 | 0.14% | 0.21% | 0.68% | 0.20% | 0.33% | 0.38% | 0.59% | 0.41% | +22 bps | |
| Return on Equity | 1.06% | 1.65% | 5.32% | 1.51% | 2.42% | 2.82% | 4.44% | 3.18% | +167 bps | |
| Net Interest Margin | 4.99% | 4.84% | 4.61% | 4.69% | 4.83% | 4.86% | 4.44% | 4.42% | -27 bps | |
| Efficiency Ratio | 86.66% | 86.87% | 89.11% | 91.73% | 91.07% | 90.05% | 96.71% | 97.17% | +544 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.45% | 0.78% | 2.82% | 2.12% | -1.11% | -4.57% | -1.90% | 1.98% | -14 bps | |
| Loan Growth (YoY) | -14.37% | -14.87% | -14.78% | -15.21% | -13.42% | -11.46% | -12.07% | -16.53% | -132 bps | |
| Share Growth (YoY) | -2.88% | 1.15% | 2.24% | 1.55% | -2.15% | -5.97% | -2.09% | 1.88% | +34 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.02% | 0.58% | 1.53% | 1.90% | 1.86% | 1.74% | 1.87% | 0.93% | -97 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 | 13.10% | 12.66% | 12.75% | 12.91% | 13.45% | 13.52% | 13.21% | 13.01% | +10 bps | |
| Net Worth / Assets | 13.10% | 12.66% | 12.75% | 12.91% | 13.45% | 13.52% | 13.21% | 13.01% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.05% | 78.25% | 75.06% | 74.27% | 74.37% | 73.68% | 67.41% | 60.84% | -1,343 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Silverdale, WA · Charter 68254 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.42%
Rank 1,212 of 1,683
Net Interest Margin
4.42%
Rank 369 of 1,683
Efficiency Ratio
97.19%
Rank 1,531 of 1,682
Equity / Assets
13.01%
Rank 819 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.42% | 0.35% | 0.74% | 1.18% | Beats 28% | 1,212 / 1,683 | ||
| Return on Equity | 3.20% | 2.67% | 5.89% | 8.74% | Beats 29% | 1,187 / 1,681 | ||
| Net Interest Margin | 4.42% | 3.31% | 3.82% | 4.32% | Beats 78% | 369 / 1,683 | ||
| Efficiency Ratio | 97.19% | 68.91% | 78.20% | 86.93% | Beats 9% | 1,531 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.93% | 0.26% | 0.65% | 1.29% | Beats 36% | 1,075 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.01% | 10.44% | 12.89% | 16.53% | Beats 51% | 819 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.01% | 10.44% | 12.89% | 16.53% | Beats 51% | 819 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 60.84% | 52.61% | 69.38% | 83.50% | 36th pctl | 1,078 / 1,683 | ||
| Loans / Assets | 52.62% | 44.71% | 59.18% | 70.72% | 38th pctl | 1,036 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||