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 | |