Connection
Silverdale, WA · Charter 68254 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$40.4MAssets
$21.2MLoans
$34.9MShares
$5.3MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 78% of credit unions under $1B in assets (rank 369 of 1683).
- Widest gap: efficiency ratio trails 91% of credit unions under $1B in assets (rank 1531 of 1682).
- Overall: at or above the peer median on 3 of 7 directional measures.
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 | 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 |