Tumwater, WA · Charter 68546
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
36
Asset Quality
51
Profitability
30
Liquidity
48
Efficiency
14
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.
Tumwater, WA · Charter 68546
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 | -0.42% | -0.36% | 0.14% | 0.23% | 0.38% | 0.31% | 0.10% | 0.03% | -20 bps | |
| Return on Equity | -3.90% | -3.36% | 1.31% | 2.14% | 3.51% | 2.77% | 0.94% | 0.30% | -184 bps | |
| Net Interest Margin | 3.58% | 3.65% | 3.75% | 3.87% | 3.84% | 4.03% | 3.96% | 4.07% | +20 bps | |
| Efficiency Ratio | 93.31% | 93.56% | 89.21% | 90.34% | 87.92% | 88.74% | 90.34% | 92.53% | +218 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.87% | 2.27% | 2.20% | -0.48% | 1.72% | -1.88% | -3.38% | -3.09% | -261 bps | |
| Loan Growth (YoY) | -3.43% | -2.71% | -3.28% | -4.70% | -3.51% | -4.07% | -5.87% | -4.32% | +39 bps | |
| Share Growth (YoY) | 1.22% | 2.77% | 2.20% | -1.09% | 0.86% | -3.92% | -5.51% | -4.53% | -344 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.28% | 1.24% | 0.91% | 0.77% | 0.76% | 0.93% | 0.34% | 0.63% | -14 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 | 10.75% | 10.80% | 10.52% | 10.91% | 10.81% | 11.32% | 11.19% | 11.47% | +56 bps | |
| Net Worth / Assets | 10.75% | 10.80% | 10.52% | 10.91% | 10.81% | 11.32% | 11.19% | 11.47% | +56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.61% | 55.23% | 52.84% | 53.38% | 52.24% | 55.15% | 52.64% | 53.50% | +12 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Tumwater, WA · Charter 68546 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.03%
Rank 1,468 of 1,683
Net Interest Margin
4.07%
Rank 618 of 1,683
Efficiency Ratio
92.52%
Rank 1,447 of 1,682
Equity / Assets
11.47%
Rank 1,082 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.03% | 0.35% | 0.74% | 1.18% | Beats 13% | 1,468 / 1,683 | ||
| Return on Equity | 0.30% | 2.67% | 5.89% | 8.74% | Beats 13% | 1,467 / 1,681 | ||
| Net Interest Margin | 4.07% | 3.31% | 3.82% | 4.32% | Beats 63% | 618 / 1,683 | ||
| Efficiency Ratio | 92.52% | 68.91% | 78.20% | 86.93% | Beats 14% | 1,447 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.63% | 0.26% | 0.65% | 1.29% | Beats 51% | 825 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.47% | 10.44% | 12.89% | 16.53% | Beats 36% | 1,082 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.47% | 10.44% | 12.89% | 16.53% | Beats 36% | 1,082 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 53.50% | 52.61% | 69.38% | 83.50% | 26th pctl | 1,249 / 1,683 | ||
| Loans / Assets | 48.75% | 44.71% | 59.18% | 70.72% | 32nd pctl | 1,152 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||