Olympia, WA · Charter 68331
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |