Seattle, WA · Charter 68315
NCUA · 9 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
62
Asset Quality
55
Profitability
31
Liquidity
0
Efficiency
16
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.
Seattle, WA · Charter 68315
NCUA · 9 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 | -0.31% | 0.15% | 0.28% | 0.28% | 0.35% | 0.30% | -0.32% | 0.04% | -24 bps | |
| Return on Equity | -2.58% | 1.20% | 2.33% | 2.27% | 2.84% | 2.48% | -2.74% | 0.32% | -195 bps | |
| Net Interest Margin | 3.66% | 3.73% | 3.97% | 4.02% | 4.07% | 4.00% | 4.08% | 4.04% | +2 bps | |
| Efficiency Ratio | 80.48% | 80.36% | 74.29% | 76.18% | 75.34% | 76.73% | 82.89% | 80.21% | +403 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.22% | -1.11% | 0.44% | 1.51% | -0.06% | 2.19% | 2.84% | 6.58% | +507 bps | |
| Loan Growth (YoY) | -0.29% | 6.67% | 6.46% | 4.49% | 2.39% | 1.13% | 5.22% | 8.27% | +378 bps | |
| Share Growth (YoY) | -1.22% | -2.78% | 0.04% | 1.40% | 1.56% | 2.31% | 3.25% | 5.18% | +378 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.86% | 0.99% | 0.65% | 0.65% | 0.78% | 0.75% | 0.67% | 0.63% | -2 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 | 12.04% | 12.09% | 12.11% | 12.28% | 12.47% | 11.93% | 11.71% | 11.50% | -78 bps | |
| Net Worth / Assets | 12.04% | 12.09% | 12.11% | 12.28% | 12.47% | 11.93% | 11.71% | 11.50% | -78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 103.35% | 107.53% | 103.99% | 104.23% | 104.19% | 106.29% | 105.97% | 107.30% | +307 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Seattle, WA · Charter 68315 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 9 branches
Q2 2026
Return on Assets
0.04%
Rank 424 of 435
Net Interest Margin
4.04%
Rank 49 of 435
Efficiency Ratio
80.21%
Rank 366 of 435
Equity / Assets
11.50%
Rank 166 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.04% | 0.55% | 0.81% | 1.14% | Beats 3% | 424 / 435 | ||
| Return on Equity | 0.32% | 5.12% | 7.41% | 9.70% | Beats 2% | 425 / 435 | ||
| Net Interest Margin | 4.04% | 3.01% | 3.39% | 3.75% | Beats 89% | 49 / 435 | ||
| Efficiency Ratio | 80.21% | 65.25% | 71.39% | 77.86% | Beats 16% | 366 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.63% | 0.45% | 0.69% | 1.05% | Beats 55% | 196 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.50% | 9.81% | 10.84% | 12.63% | Beats 62% | 166 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.50% | 9.81% | 10.84% | 12.63% | Beats 62% | 166 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 107.30% | 78.33% | 88.38% | 95.61% | 97th pctl | 15 / 435 | ||
| Loans / Assets | 84.49% | 67.69% | 74.58% | 80.80% | 89th pctl | 50 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||