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Progressions

Spokane, WA · Charter 68255

NCUA · 2 branches

Q2 2026

$93.1MAssets
$67.3MLoans
$83.0MShares
$9.7MNet 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 0.50%, up 30 bps year over year; NIM at 3.31%.
  • Asset quality: problem loans at 0.20% of loans (+7 bps YoY).
  • Capital: net worth / assets of 10.39%, up 52 bps from a year ago.
  • Funding: loans stand at 81.15% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.50%+30 bps YoY

Net Interest Margin (quarter, annualized)

3.31%+17 bps YoY

Efficiency Ratio (quarter, annualized)

85.99%-518 bps YoY

Net Worth / Assets

10.39%+52 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.20%0.29%0.34%0.47%0.50%+30 bps
Return on Equity2.00%2.92%3.36%4.64%4.79%+278 bps
Net Interest Margin3.14%3.22%3.27%3.28%3.31%+17 bps
Efficiency Ratio91.17%88.28%87.65%86.64%85.99%-518 bps
Growth
Asset Growth (YoY)1.80%0.14%1.63%0.59%0.83%-97 bps
Loan Growth (YoY)2.43%6.15%5.71%4.21%0.72%-171 bps
Share Growth (YoY)0.74%-0.58%1.52%0.70%1.02%+27 bps
Asset Quality
Delinquent Loans / Loans0.13%0.14%0.10%0.10%0.20%+7 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 Capital9.87%9.98%10.10%10.21%10.39%+52 bps
Net Worth / Assets9.87%9.98%10.10%10.21%10.39%+52 bps
Liquidity & Funding
Loans / Shares81.39%82.12%82.29%80.48%81.15%-24 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps