North Bend, WA · Charter 68293
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.37% | 0.32% | 0.50% | 0.19% | 0.06% | -32 bps | |
| Return on Equity | 4.34% | 3.93% | 5.80% | 2.26% | 0.69% | -364 bps | |
| Net Interest Margin | 4.82% | 4.65% | 4.76% | 4.59% | 4.75% | -7 bps | |
| Efficiency Ratio | 92.14% | 91.24% | 90.31% | 94.42% | 94.59% | +245 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.29% | -0.48% | 0.89% | 2.82% | 3.55% | +1,183 bps | |
| Loan Growth (YoY) | -2.62% | 1.40% | -0.16% | 7.64% | 3.54% | +616 bps | |
| Share Growth (YoY) | -4.31% | 0.81% | 0.30% | 1.37% | 2.71% | +702 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.58% | 8.25% | 8.57% | 8.44% | 8.24% | -34 bps | |
| Net Worth / Assets | 8.58% | 8.25% | 8.57% | 8.44% | 8.24% | -34 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |