Olympia, WA · Charter 68331
NCUA · 2 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 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
4
Asset Quality
67
Profitability
48
Liquidity
23
Efficiency
38
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 68331
NCUA · 2 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 | 0.06% | 0.00% | -1.08% | -0.27% | -0.03% | 0.18% | 0.27% | 0.37% | +64 bps | |
| Return on Equity | 0.72% | 0.04% | -13.25% | -3.44% | -0.35% | 2.29% | 3.40% | 4.51% | +795 bps | |
| Net Interest Margin | 4.39% | 4.39% | 4.38% | 4.35% | 4.41% | 4.31% | 4.12% | 4.40% | +5 bps | |
| Efficiency Ratio | 87.24% | 85.88% | 88.63% | 85.65% | 84.65% | 84.04% | 85.04% | 82.32% | -332 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.48% | -0.21% | -1.60% | 5.15% | 3.80% | 5.49% | 9.77% | 4.64% | -52 bps | |
| Loan Growth (YoY) | 4.59% | 4.32% | 4.56% | -5.31% | -6.03% | -8.61% | 0.78% | 13.58% | +1,889 bps | |
| Share Growth (YoY) | -2.16% | -0.50% | -1.41% | 6.07% | 4.60% | 5.98% | 10.11% | 5.04% | -103 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.92% | 1.59% | 0.78% | 0.80% | 0.74% | 0.58% | 0.46% | 0.39% | -42 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 | 8.46% | 8.34% | 8.11% | 7.98% | 8.06% | 8.07% | 7.85% | 8.09% | +11 bps | |
| Net Worth / Assets | 8.46% | 8.34% | 8.11% | 7.98% | 8.06% | 8.07% | 7.85% | 8.09% | +11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.75% | 85.07% | 86.87% | 80.34% | 77.93% | 73.36% | 79.51% | 86.87% | +653 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 68331 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.37%
Rank 1,246 of 1,683
Net Interest Margin
4.40%
Rank 379 of 1,683
Efficiency Ratio
82.36%
Rank 1,052 of 1,682
Equity / Assets
8.09%
Rank 1,614 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.37% | 0.35% | 0.74% | 1.18% | Beats 26% | 1,246 / 1,683 | ||
| Return on Equity | 4.52% | 2.67% | 5.89% | 8.74% | Beats 40% | 1,015 / 1,681 | ||
| Net Interest Margin | 4.40% | 3.31% | 3.82% | 4.32% | Beats 77% | 379 / 1,683 | ||
| Efficiency Ratio | 82.36% | 68.91% | 78.20% | 86.93% | Beats 38% | 1,052 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.39% | 0.26% | 0.65% | 1.29% | Beats 67% | 557 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.09% | 10.44% | 12.89% | 16.53% | Beats 4% | 1,614 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.09% | 10.44% | 12.89% | 16.53% | Beats 4% | 1,614 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 86.87% | 52.61% | 69.38% | 83.50% | 81st pctl | 323 / 1,683 | ||
| Loans / Assets | 80.01% | 44.71% | 59.18% | 70.72% | 92nd pctl | 137 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||