Olympia, WA · Charter 68328
NCUA · 1 branch
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 under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
79
Asset Quality
73
Profitability
74
Liquidity
0
Efficiency
97
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.
Olympia, WA · Charter 68328
NCUA · 1 branch
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 | 1.59% | 1.63% | 1.25% | 1.42% | 1.59% | 1.57% | 1.55% | 1.81% | +39 bps | |
| Return on Equity | 9.91% | 9.66% | 7.70% | 8.97% | 9.78% | 9.56% | 9.34% | 10.35% | +138 bps | |
| Net Interest Margin | 3.14% | 3.29% | 3.22% | 3.21% | 3.32% | 3.34% | 3.45% | 3.70% | +49 bps | |
| Efficiency Ratio | 49.36% | 48.87% | 53.96% | 51.50% | 48.90% | 48.47% | 53.28% | 48.28% | -322 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.56% | 4.03% | 10.36% | 8.97% | 9.35% | 13.83% | 7.98% | 0.93% | -804 bps | |
| Loan Growth (YoY) | 15.65% | 6.59% | 9.22% | 9.41% | 10.64% | 9.69% | 5.11% | -4.76% | -1,417 bps | |
| Share Growth (YoY) | 15.35% | 5.39% | 8.34% | 7.71% | 7.09% | 14.64% | 9.16% | -0.71% | -842 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.20% | 0.46% | 1.07% | 0.77% | 2.32% | 1.89% | 2.50% | 0.29% | -48 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 | 16.05% | 16.92% | 16.19% | 15.86% | 16.23% | 16.44% | 16.65% | 17.50% | +164 bps | |
| Net Worth / Assets | 16.05% | 16.92% | 16.19% | 15.86% | 16.23% | 16.44% | 16.65% | 17.50% | +164 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 106.95% | 108.93% | 108.85% | 110.15% | 110.50% | 104.22% | 104.80% | 105.66% | -449 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Olympia, WA · Charter 68328 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.81%
Rank 124 of 1,683
Net Interest Margin
3.70%
Rank 943 of 1,683
Efficiency Ratio
48.28%
Rank 54 of 1,682
Equity / Assets
17.50%
Rank 361 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.81% | 0.35% | 0.74% | 1.18% | Beats 93% | 124 / 1,683 | ||
| Return on Equity | 10.35% | 2.67% | 5.89% | 8.74% | Beats 85% | 252 / 1,681 | ||
| Net Interest Margin | 3.70% | 3.31% | 3.82% | 4.32% | Beats 44% | 943 / 1,683 | ||
| Efficiency Ratio | 48.28% | 68.91% | 78.20% | 86.93% | Beats 97% | 54 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.29% | 0.26% | 0.65% | 1.29% | Beats 73% | 451 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.50% | 10.44% | 12.89% | 16.53% | Beats 79% | 361 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.50% | 10.44% | 12.89% | 16.53% | Beats 79% | 361 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 105.66% | 52.61% | 69.38% | 83.50% | 98th pctl | 30 / 1,683 | ||
| Loans / Assets | 83.19% | 44.71% | 59.18% | 70.72% | 96th pctl | 74 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||