Wcla
Olympia, WA · Charter 68328 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$141.9MAssets
$118.1MLoans
$111.8MShares
$24.8MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 97% of credit unions under $1B in assets (rank 54 of 1682).
- Widest gap: net interest margin trails 56% of credit unions under $1B in assets (rank 943 of 1683).
- Overall: at or above the peer median on 6 of 7 directional measures.
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 | 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 |