Seattle, WA · Charter 68517
NCUA · 7 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
9
Asset Quality
23
Profitability
40
Liquidity
17
Efficiency
45
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.
Seattle, WA · Charter 68517
NCUA · 7 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 | 0.42% | 0.08% | -1.12% | -0.40% | -0.24% | -0.19% | 0.13% | 0.17% | +57 bps | |
| Return on Equity | 4.07% | 0.92% | -12.38% | -4.39% | -2.65% | -2.09% | 1.39% | 1.86% | +624 bps | |
| Net Interest Margin | 3.89% | 3.74% | 3.47% | 3.64% | 3.69% | 3.66% | 3.85% | 3.80% | +16 bps | |
| Efficiency Ratio | 75.56% | 81.79% | 107.76% | 94.79% | 89.35% | 88.98% | 78.54% | 82.75% | -1,204 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.36% | -6.85% | -4.40% | 1.09% | 3.25% | 1.92% | -1.37% | 2.24% | +115 bps | |
| Loan Growth (YoY) | -12.77% | -13.48% | -13.53% | -9.62% | -8.03% | -4.45% | -1.33% | 2.16% | +1,178 bps | |
| Share Growth (YoY) | -3.66% | 1.06% | 3.08% | 4.15% | 4.50% | 2.58% | -0.85% | 3.66% | -49 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.76% | 1.03% | 1.14% | 1.14% | 0.97% | 1.15% | 1.10% | 1.91% | +77 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 | 10.31% | 9.24% | 9.03% | 9.16% | 9.11% | 8.91% | 9.31% | 9.17% | +2 bps | |
| Net Worth / Assets | 10.31% | 9.24% | 9.03% | 9.16% | 9.11% | 8.91% | 9.31% | 9.17% | +2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.17% | 91.09% | 89.28% | 87.61% | 86.40% | 84.85% | 88.84% | 86.34% | -127 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Seattle, WA · Charter 68517 · Peer group: credit unions under $1B in assets in the Seattle-Tacoma-Bellevue, WA area (n=22)
NCUA · 7 branches
Q2 2026
Return on Assets
0.17%
Rank 15 of 22
Net Interest Margin
3.80%
Rank 10 of 22
Efficiency Ratio
82.74%
Rank 13 of 22
Equity / Assets
9.17%
Rank 20 of 22
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.17% | 0.11% | 0.57% | 0.99% | Beats 32% | 15 / 22 | ||
| Return on Equity | 1.86% | 0.85% | 3.93% | 5.70% | Beats 32% | 15 / 22 | ||
| Net Interest Margin | 3.80% | 3.17% | 3.57% | 4.25% | Beats 55% | 10 / 22 | ||
| Efficiency Ratio | 82.74% | 65.75% | 80.47% | 91.31% | Beats 45% | 13 / 22 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.91% | 0.34% | 0.86% | 1.42% | Beats 23% | 18 / 22 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.17% | 10.62% | 13.36% | 14.42% | Beats 9% | 20 / 22 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.17% | 10.62% | 13.36% | 14.42% | Beats 9% | 20 / 22 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 86.34% | 61.01% | 65.58% | 83.83% | 77th pctl | 5 / 22 | ||
| Loans / Assets | 76.39% | 47.64% | 55.55% | 72.11% | 82nd pctl | 4 / 22 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||