Spokane, WA · Charter 68284
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 | 0.36% | 0.26% | -0.52% | -0.40% | -0.25% | -0.11% | 0.45% | 0.53% | +93 bps | |
| Return on Equity | 1.80% | 1.35% | -2.81% | -2.13% | -1.35% | -0.62% | 2.48% | 2.96% | +509 bps | |
| Net Interest Margin | 1.94% | 1.83% | 1.44% | 1.51% | 1.58% | 1.65% | 2.01% | 2.05% | +54 bps | |
| Efficiency Ratio | 82.16% | 86.29% | 134.93% | 125.48% | 115.47% | 106.06% | 78.31% | 74.54% | -5,094 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.64% | 1.70% | 5.03% | 6.36% | 7.72% | 6.62% | 3.47% | 5.13% | -124 bps | |
| Loan Growth (YoY) | -6.69% | -7.04% | -7.01% | -4.18% | 0.58% | 3.71% | 4.29% | 4.64% | +881 bps | |
| Share Growth (YoY) | -4.96% | 1.75% | 6.27% | 8.30% | 9.84% | 8.36% | 4.09% | 5.84% | -246 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.08% | 0.07% | 0.04% | 0.04% | 0.03% | 0.03% | 0.02% | 0.08% | +4 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 | 19.96% | 19.39% | 18.52% | 18.61% | 18.34% | 18.07% | 18.02% | 18.04% | -57 bps | |
| Net Worth / Assets | 19.96% | 19.39% | 18.52% | 18.61% | 18.34% | 18.07% | 18.02% | 18.04% | -57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.22% | 75.42% | 70.35% | 72.89% | 72.55% | 72.19% | 70.48% | 72.06% | -83 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |