Richland, WA · Charter 68278
NCUA · 44 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 | 0.68% | 0.62% | 0.65% | 0.62% | 0.73% | 0.63% | 0.87% | 0.70% | +8 bps | |
| Return on Equity | 6.55% | 5.94% | 6.45% | 6.65% | 7.67% | 6.58% | 9.31% | 7.50% | +85 bps | |
| Net Interest Margin | 2.99% | 3.02% | 3.15% | 2.97% | 3.15% | 3.20% | 3.37% | 3.36% | +38 bps | |
| Efficiency Ratio | 71.01% | 72.00% | 69.93% | 70.12% | 70.19% | 72.97% | 68.53% | 67.08% | -303 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.06% | 3.09% | 6.29% | 16.51% | 15.16% | 15.76% | 14.64% | 5.69% | -1,083 bps | |
| Loan Growth (YoY) | 1.82% | 5.72% | 5.50% | 11.11% | 10.06% | 12.48% | 16.41% | 11.96% | +85 bps | |
| Share Growth (YoY) | 1.11% | 2.78% | 6.62% | 19.50% | 17.43% | 17.76% | 16.29% | 5.43% | -1,407 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.61% | 0.57% | 0.42% | 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 | 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 | 10.44% | 10.43% | 10.03% | 9.28% | 9.58% | 9.51% | 9.32% | 9.32% | +4 bps | |
| Net Worth / Assets | 10.44% | 10.43% | 10.03% | 9.28% | 9.58% | 9.51% | 9.32% | 9.32% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.09% | 98.88% | 94.10% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |