Richland, WA · Charter 68278
NCUA · 44 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
16
Asset Quality
37
Profitability
45
Liquidity
51
Efficiency
69
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.
Richland, WA · Charter 68278
NCUA · 44 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.62% | 0.73% | 0.63% | 0.87% | 0.70% | +8 bps | |
| Return on Equity | 6.65% | 7.67% | 6.58% | 9.31% | 7.50% | +85 bps | |
| Net Interest Margin | 2.97% | 3.15% | 3.20% | 3.37% | 3.36% | +38 bps | |
| Efficiency Ratio | 70.12% | 70.19% | 72.97% | 68.53% | 67.08% | -303 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 16.51% | 15.16% | 15.76% | 14.64% | 5.69% | -1,083 bps | |
| Loan Growth (YoY) | 11.11% | 10.06% | 12.48% | 16.41% | 11.96% | +85 bps | |
| Share Growth (YoY) | 19.50% | 17.43% | 17.76% | 16.29% | 5.43% | -1,407 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.51% | 0.58% | 0.67% | 0.69% | 0.84% | +33 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.28% | 9.58% | 9.51% | 9.32% | 9.32% | +4 bps | |
| Net Worth / Assets | 9.28% | 9.58% | 9.51% | 9.32% | 9.32% | +4 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.63% | 91.93% | 94.44% | 94.19% | 95.19% | +556 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Richland, WA · Charter 68278 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 44 branches
Q2 2026
Return on Assets
0.70%
Rank 272 of 435
Net Interest Margin
3.36%
Rank 230 of 435
Efficiency Ratio
67.08%
Rank 138 of 435
Equity / Assets
9.32%
Rank 367 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.70% | 0.55% | 0.81% | 1.14% | Beats 37% | 272 / 435 | |
| Return on Equity | 7.50% | 5.12% | 7.41% | 9.70% | Beats 50% | 216 / 435 | |
| Net Interest Margin | 3.36% | 3.01% | 3.39% | 3.75% | Beats 47% | 230 / 435 | |
| Efficiency Ratio | 67.08% | 65.25% | 71.39% | 77.86% | Beats 69% | 138 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.84% | 0.45% | 0.69% | 1.05% | Beats 37% | 273 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.32% | 9.81% | 10.84% | 12.63% | Beats 16% | 367 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.32% | 9.81% | 10.84% | 12.63% | Beats 16% | 367 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 95.19% | 78.33% | 88.38% | 95.61% | 75th pctl | 110 / 435 | |
| Loans / Assets | 79.29% | 67.69% | 74.58% | 80.80% | 67th pctl | 143 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||