Olympia, WA · Charter 68271
NCUA · 37 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 | 0.76% | 0.61% | 0.37% | 0.56% | 0.57% | 0.26% | 0.03% | 0.29% | -28 bps | |
| Return on Equity | 6.91% | 5.59% | 3.40% | 5.07% | 5.08% | 2.34% | 0.27% | 2.52% | -255 bps | |
| Net Interest Margin | 4.42% | 4.37% | 4.34% | 4.50% | 4.47% | 4.43% | 4.37% | 4.39% | -10 bps | |
| Efficiency Ratio | 72.02% | 73.71% | 78.94% | 75.82% | 75.66% | 77.73% | 75.38% | 71.30% | -452 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.26% | 1.64% | -0.24% | 0.50% | 1.26% | 1.34% | -0.92% | -1.14% | -163 bps | |
| Loan Growth (YoY) | 3.55% | 4.38% | 4.31% | 3.64% | 2.88% | 2.41% | 2.25% | 0.82% | -282 bps | |
| Share Growth (YoY) | 3.26% | 5.10% | 2.99% | 3.44% | -1.10% | 1.50% | 2.53% | 2.52% | -92 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.52% | 0.57% | 0.57% | 0.65% | 0.73% | 0.85% | 1.21% | 1.22% | +57 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 | 10.95% | 10.91% | 10.90% | 11.13% | 11.23% | 10.97% | 11.12% | 11.31% | +19 bps | |
| Net Worth / Assets | 10.95% | 10.91% | 10.90% | 11.13% | 11.23% | 10.97% | 11.12% | 11.31% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.64% | 93.26% | 91.83% | 93.45% | 96.36% | 94.10% | 91.58% | 91.90% | -155 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |