Seattle, WA · Charter 68273
NCUA · 1 branch
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 in the Seattle-Tacoma-Bellevue, WA area (n=22). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
41
Asset Quality
18
Profitability
32
Liquidity
41
Efficiency
5
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.
Seattle, WA · Charter 68273
NCUA · 1 branch
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 | -0.67% | 0.25% | 0.59% | 0.03% | -0.21% | 0.01% | -4.00% | -3.99% | -402 bps | |
| Return on Equity | -5.49% | 1.99% | 4.80% | 0.26% | -1.60% | 0.04% | -28.87% | -30.65% | -3,091 bps | |
| Net Interest Margin | 4.14% | 3.85% | 3.31% | 3.57% | 3.75% | 4.28% | 5.53% | 5.54% | +197 bps | |
| Efficiency Ratio | 94.91% | 86.83% | 110.69% | 103.77% | 107.83% | 103.95% | 147.21% | 142.34% | +3,857 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.79% | 22.21% | 24.27% | 18.13% | -1.16% | -11.27% | -18.52% | -14.35% | -3,248 bps | |
| Loan Growth (YoY) | 0.04% | -6.94% | -12.53% | -16.57% | -17.93% | -13.68% | -11.55% | -4.72% | +1,184 bps | |
| Share Growth (YoY) | 24.24% | 34.06% | 34.34% | 25.06% | -4.45% | -14.77% | -18.71% | -13.72% | -3,878 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.18% | 1.40% | 1.13% | 0.87% | 0.81% | 0.96% | 2.62% | 1.95% | +108 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 | 12.24% | 12.54% | 12.24% | 12.85% | 13.00% | 14.14% | 13.85% | 13.00% | +15 bps | |
| Net Worth / Assets | 12.24% | 12.54% | 12.24% | 12.85% | 13.00% | 14.14% | 13.85% | 13.00% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.91% | 76.34% | 71.43% | 72.46% | 72.93% | 77.32% | 77.73% | 80.01% | +755 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Seattle, WA · Charter 68273 · Peer group: credit unions under $1B in assets in the Seattle-Tacoma-Bellevue, WA area (n=22)
NCUA · 1 branch
Q2 2026
Return on Assets
-3.99%
Rank 22 of 22
Net Interest Margin
5.55%
Rank 1 of 22
Efficiency Ratio
142.32%
Rank 22 of 22
Equity / Assets
13.00%
Rank 13 of 22
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -3.99% | 0.11% | 0.57% | 0.99% | Beats 0% | 22 / 22 | ||
| Return on Equity | -30.68% | 0.85% | 3.93% | 5.70% | Beats 0% | 22 / 22 | ||
| Net Interest Margin | 5.55% | 3.17% | 3.57% | 4.25% | Beats 95% | 1 / 22 | ||
| Efficiency Ratio | 142.32% | 65.75% | 80.47% | 91.31% | Beats 5% | 22 / 22 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.95% | 0.34% | 0.86% | 1.42% | Beats 18% | 19 / 22 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.00% | 10.62% | 13.36% | 14.42% | Beats 41% | 13 / 22 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.00% | 10.62% | 13.36% | 14.42% | Beats 41% | 13 / 22 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.02% | 61.01% | 65.58% | 83.83% | 64th pctl | 8 / 22 | ||
| Loans / Assets | 68.49% | 47.64% | 55.55% | 72.11% | 64th pctl | 8 / 22 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||