Spokane, WA · Charter 68305
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.61% | 0.74% | 0.66% | 0.32% | 0.50% | -11 bps | |
| Return on Equity | 3.79% | 4.44% | 4.02% | 1.91% | 2.86% | -93 bps | |
| Net Interest Margin | 3.13% | 3.25% | 3.20% | 3.28% | 3.30% | +17 bps | |
| Efficiency Ratio | 81.74% | 80.01% | 82.05% | 89.86% | 87.60% | +585 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.71% | -0.81% | 1.17% | -1.45% | -3.73% | -303 bps | |
| Loan Growth (YoY) | -4.22% | -7.86% | -8.43% | -9.17% | -10.25% | -603 bps | |
| Share Growth (YoY) | -1.39% | -1.89% | 0.54% | -2.62% | -5.29% | -390 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.01% | 0.00% | 0.02% | 0.00% | 0.01% | -1 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 | 16.08% | 16.68% | 16.49% | 16.92% | 17.32% | +124 bps | |
| Net Worth / Assets | 16.08% | 16.68% | 16.49% | 16.92% | 17.32% | +124 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.09% | 72.26% | 69.06% | 69.58% | 69.27% | -383 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |