PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Responders Emergency Services

Spokane, WA · Charter 68305

NCUA · 2 branches

Q2 2026

$56.2MAssets
$32.1MLoans
$46.3MShares
$9.7MNet Worth

Executive Summary

  • Earnings: ROA of 0.50%, down 11 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 0.01% of loans (-1 bps YoY).
  • Capital: net worth / assets of 17.32%, up 124 bps from a year ago.
  • Funding: loans stand at 69.27% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.50%-11 bps YoY

Net Interest Margin (YTD, annualized)

3.30%+17 bps YoY

Efficiency Ratio (YTD, annualized)

87.60%+585 bps YoY

Net Worth / Assets

17.32%+124 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.61%0.67%0.11%0.61%0.74%0.66%0.32%0.50%-11 bps
Return on Equity3.84%4.20%0.67%3.79%4.44%4.02%1.91%2.86%-93 bps
Net Interest Margin3.08%3.09%3.05%3.13%3.25%3.20%3.28%3.30%+17 bps
Efficiency Ratio83.26%84.21%94.55%81.74%80.01%82.05%89.86%87.60%+585 bps
Growth
Asset Growth (YoY)-2.20%-1.37%-1.40%-0.71%-0.81%1.17%-1.45%-3.73%-303 bps
Loan Growth (YoY)-6.97%-7.85%-6.66%-4.22%-7.86%-8.43%-9.17%-10.25%-603 bps
Share Growth (YoY)-3.52%-2.17%-2.07%-1.39%-1.89%0.54%-2.62%-5.29%-390 bps
Asset Quality
Delinquent Loans / Loans0.00%0.04%0.00%0.01%0.00%0.02%0.00%0.01%-1 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 Capital15.78%16.01%15.96%16.08%16.68%16.49%16.92%17.32%+124 bps
Net Worth / Assets15.78%16.01%15.96%16.08%16.68%16.49%16.92%17.32%+124 bps
Liquidity & Funding
Loans / Shares76.95%75.83%74.60%73.09%72.26%69.06%69.58%69.27%-383 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps