Spokane, WA · Charter 68283
NCUA · 2 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 | 0.83% | 0.83% | 0.78% | 0.41% | 0.43% | -40 bps | |
| Return on Equity | 8.20% | 7.93% | 7.18% | 3.93% | 4.04% | -417 bps | |
| Net Interest Margin | 3.65% | 3.76% | 3.86% | 3.65% | 3.70% | +5 bps | |
| Efficiency Ratio | 81.56% | 81.98% | 83.44% | 90.65% | 90.44% | +888 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.74% | 3.78% | 1.24% | 0.24% | 0.05% | -769 bps | |
| Loan Growth (YoY) | -1.40% | -0.74% | -1.29% | -1.85% | -2.35% | -95 bps | |
| Share Growth (YoY) | 7.91% | 3.18% | 0.26% | -0.69% | -0.73% | -864 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.19% | 0.35% | 0.25% | 0.09% | 0.11% | -8 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 | 10.07% | 10.42% | 10.85% | 10.55% | 10.62% | +54 bps | |
| Net Worth / Assets | 10.07% | 10.42% | 10.85% | 10.55% | 10.62% | +54 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.22% | 89.04% | 89.86% | 86.38% | 85.80% | -142 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |