North Bend, WA · Charter 68293
NCUA · 3 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 under $1B in assets in the Seattle-Tacoma-Bellevue, WA area (n=22). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
0
Asset Quality
50
Profitability
37
Liquidity
41
Efficiency
9
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.
North Bend, WA · Charter 68293
NCUA · 3 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 | -0.16% | -0.01% | 0.29% | 0.37% | 0.32% | 0.50% | 0.19% | 0.06% | -32 bps | |
| Return on Equity | -2.08% | -0.12% | 3.47% | 4.34% | 3.93% | 5.80% | 2.26% | 0.69% | -364 bps | |
| Net Interest Margin | 4.21% | 4.41% | 4.72% | 4.82% | 4.65% | 4.76% | 4.59% | 4.75% | -7 bps | |
| Efficiency Ratio | 102.58% | 99.96% | 93.03% | 92.14% | 91.24% | 90.31% | 94.42% | 94.59% | +245 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.38% | -6.21% | -4.33% | -8.29% | -0.48% | 0.89% | 2.82% | 3.55% | +1,183 bps | |
| Loan Growth (YoY) | -7.81% | -4.99% | -7.22% | -2.62% | 1.40% | -0.16% | 7.64% | 3.54% | +616 bps | |
| Share Growth (YoY) | -5.46% | -2.98% | 0.22% | -4.31% | 0.81% | 0.30% | 1.37% | 2.71% | +702 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.42% | 0.12% | 0.45% | 2.19% | 1.95% | 0.71% | 0.85% | 0.86% | -133 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 | 7.90% | 8.19% | 8.23% | 8.58% | 8.25% | 8.57% | 8.44% | 8.24% | -34 bps | |
| Net Worth / Assets | 7.90% | 8.19% | 8.23% | 8.58% | 8.25% | 8.57% | 8.44% | 8.24% | -34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.32% | 78.32% | 75.12% | 79.47% | 77.78% | 77.96% | 79.77% | 80.11% | +64 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
North Bend, WA · Charter 68293 · Peer group: credit unions under $1B in assets in the Seattle-Tacoma-Bellevue, WA area (n=22)
NCUA · 3 branches
Q2 2026
Return on Assets
0.06%
Rank 19 of 22
Net Interest Margin
4.75%
Rank 4 of 22
Efficiency Ratio
94.63%
Rank 21 of 22
Equity / Assets
8.24%
Rank 22 of 22
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.06% | 0.11% | 0.57% | 0.99% | Beats 14% | 19 / 22 | ||
| Return on Equity | 0.69% | 0.85% | 3.93% | 5.70% | Beats 14% | 19 / 22 | ||
| Net Interest Margin | 4.75% | 3.17% | 3.57% | 4.25% | Beats 82% | 4 / 22 | ||
| Efficiency Ratio | 94.63% | 65.75% | 80.47% | 91.31% | Beats 9% | 21 / 22 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.86% | 0.34% | 0.86% | 1.42% | Beats 50% | 12 / 22 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.24% | 10.62% | 13.36% | 14.42% | Beats 0% | 22 / 22 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.24% | 10.62% | 13.36% | 14.42% | Beats 0% | 22 / 22 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.11% | 61.01% | 65.58% | 83.83% | 68th pctl | 7 / 22 | ||
| Loans / Assets | 72.11% | 47.64% | 55.55% | 72.11% | 73rd pctl | 6 / 22 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||