Tumwater, WA · Charter 68546
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 | -0.42% | -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 | |