PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Spokane City

Spokane, WA · Charter 68283

NCUA · 2 branches

Q2 2026

$65.9MAssets
$50.1MLoans
$58.4MShares
$7.0MNet Worth

Executive Summary

  • Earnings: ROA of 0.43%, down 40 bps year over year; NIM at 3.70%.
  • Asset quality: problem loans at 0.11% of loans (-8 bps YoY).
  • Capital: net worth / assets of 10.62%, up 54 bps from a year ago.
  • Funding: loans stand at 85.80% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.43%-40 bps YoY

Net Interest Margin (YTD, annualized)

3.70%+5 bps YoY

Efficiency Ratio (YTD, annualized)

90.44%+888 bps YoY

Net Worth / Assets

10.62%+54 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.88%0.82%0.76%0.83%0.83%0.78%0.41%0.43%-40 bps
Return on Equity8.76%8.05%7.72%8.20%7.93%7.18%3.93%4.04%-417 bps
Net Interest Margin3.73%3.73%3.55%3.65%3.76%3.86%3.65%3.70%+5 bps
Efficiency Ratio80.63%81.90%82.39%81.56%81.98%83.44%90.65%90.44%+888 bps
Growth
Asset Growth (YoY)-4.61%-3.83%0.53%7.74%3.78%1.24%0.24%0.05%-769 bps
Loan Growth (YoY)1.33%-2.12%-1.38%-1.40%-0.74%-1.29%-1.85%-2.35%-95 bps
Share Growth (YoY)-5.82%-4.87%-0.13%7.91%3.18%0.26%-0.69%-0.73%-864 bps
Asset Quality
Delinquent Loans / Loans0.47%0.60%0.20%0.19%0.35%0.25%0.09%0.11%-8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.01%10.19%9.91%10.07%10.42%10.85%10.55%10.62%+54 bps
Net Worth / Assets10.01%10.19%9.91%10.07%10.42%10.85%10.55%10.62%+54 bps
Liquidity & Funding
Loans / Shares92.56%91.27%87.40%87.22%89.04%89.86%86.38%85.80%-142 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps