Lakewood, WA · Charter 68371
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 in the Seattle-Tacoma-Bellevue, WA area (n=22). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
68
Asset Quality
5
Profitability
28
Liquidity
1
Efficiency
55
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.
Lakewood, WA · Charter 68371
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 | -0.02% | -0.26% | -0.02% | 0.08% | -0.01% | 0.01% | -0.62% | -0.13% | -21 bps | |
| Return on Equity | -0.17% | -1.88% | -0.13% | 0.57% | -0.09% | 0.09% | -4.40% | -0.96% | -153 bps | |
| Net Interest Margin | 4.05% | 3.99% | 4.10% | 4.21% | 4.47% | 4.42% | 4.31% | 4.25% | +5 bps | |
| Efficiency Ratio | 77.75% | 77.73% | 78.23% | 77.52% | 73.62% | 76.48% | 79.42% | 79.05% | +152 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.54% | -3.94% | 0.98% | 2.10% | -3.05% | -3.89% | -7.03% | -3.10% | -521 bps | |
| Loan Growth (YoY) | -18.78% | -21.98% | -9.56% | -5.06% | -5.61% | -2.38% | -10.10% | -5.16% | -9 bps | |
| Share Growth (YoY) | -8.76% | -3.97% | 2.23% | 2.91% | -2.40% | -3.79% | -8.44% | -5.88% | -879 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.38% | 4.85% | 4.29% | 4.37% | 2.87% | 3.42% | 2.50% | 2.30% | -207 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 | 14.55% | 13.93% | 13.21% | 13.58% | 14.10% | 13.89% | 13.97% | 13.82% | +24 bps | |
| Net Worth / Assets | 14.55% | 13.93% | 13.21% | 13.58% | 14.10% | 13.89% | 13.97% | 13.82% | +24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.75% | 45.51% | 47.70% | 48.12% | 49.08% | 46.17% | 46.84% | 48.49% | +37 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lakewood, WA · Charter 68371 · Peer group: credit unions under $1B in assets in the Seattle-Tacoma-Bellevue, WA area (n=22)
NCUA · 2 branches
Q2 2026
Return on Assets
-0.13%
Rank 21 of 22
Net Interest Margin
4.25%
Rank 6 of 22
Efficiency Ratio
79.09%
Rank 11 of 22
Equity / Assets
13.82%
Rank 7 of 22
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.13% | 0.11% | 0.57% | 0.99% | Beats 5% | 21 / 22 | ||
| Return on Equity | -0.97% | 0.85% | 3.93% | 5.70% | Beats 5% | 21 / 22 | ||
| Net Interest Margin | 4.25% | 3.17% | 3.57% | 4.25% | Beats 73% | 6 / 22 | ||
| Efficiency Ratio | 79.09% | 65.75% | 80.47% | 91.31% | Beats 55% | 11 / 22 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.30% | 0.34% | 0.86% | 1.42% | Beats 5% | 22 / 22 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.82% | 10.62% | 13.36% | 14.42% | Beats 68% | 7 / 22 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.82% | 10.62% | 13.36% | 14.42% | Beats 68% | 7 / 22 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 48.49% | 61.01% | 65.58% | 83.83% | 14th pctl | 19 / 22 | ||
| Loans / Assets | 39.89% | 47.64% | 55.55% | 72.11% | 9th pctl | 20 / 22 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||