PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Sno Falls

North Bend, WA · Charter 68293

NCUA · 3 branches

Q2 2026

$99.0MAssets
$71.4MLoans
$89.1MShares
$8.2MNet Worth

Executive Summary

  • Earnings: ROA of 0.06%, down 32 bps year over year; NIM at 4.75%.
  • Asset quality: problem loans at 0.86% of loans (-133 bps YoY).
  • Capital: net worth / assets of 8.24%, down 34 bps from a year ago.
  • Funding: loans stand at 80.11% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.06%-32 bps YoY

Net Interest Margin (YTD, annualized)

4.75%-7 bps YoY

Efficiency Ratio (YTD, annualized)

94.59%+245 bps YoY

Net Worth / Assets

8.24%-34 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
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 Margin4.21%4.41%4.72%4.82%4.65%4.76%4.59%4.75%-7 bps
Efficiency Ratio102.58%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 / Loans1.42%0.12%0.45%2.19%1.95%0.71%0.85%0.86%-133 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 Capital7.90%8.19%8.23%8.58%8.25%8.57%8.44%8.24%-34 bps
Net Worth / Assets7.90%8.19%8.23%8.58%8.25%8.57%8.44%8.24%-34 bps
Liquidity & Funding
Loans / Shares77.32%78.32%75.12%79.47%77.78%77.96%79.77%80.11%+64 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps