Bremerton, WA · Charter 68576
NCUA · 16 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
5
Asset Quality
42
Profitability
38
Liquidity
98
Efficiency
57
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.
Bremerton, WA · Charter 68576
NCUA · 16 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 | 0.20% | 0.26% | 0.29% | 0.21% | 0.32% | 0.34% | 0.28% | 0.32% | +12 bps | |
| Return on Equity | 2.39% | 3.00% | 3.32% | 2.38% | 3.89% | 4.20% | 3.36% | 3.85% | +147 bps | |
| Net Interest Margin | 3.37% | 3.45% | 3.72% | 3.83% | 3.75% | 3.68% | 3.90% | 3.97% | +15 bps | |
| Efficiency Ratio | 71.41% | 70.37% | 65.87% | 65.84% | 64.96% | 65.12% | 70.53% | 69.75% | +390 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.34% | -2.05% | -1.35% | 0.79% | 4.60% | 8.70% | 8.17% | 6.87% | +608 bps | |
| Loan Growth (YoY) | -0.38% | -1.03% | 0.58% | 1.86% | 1.25% | 7.88% | 8.46% | 8.62% | +676 bps | |
| Share Growth (YoY) | 5.41% | 2.68% | 0.94% | 0.52% | 6.00% | 9.00% | 10.14% | 9.41% | +890 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.90% | 0.95% | 0.87% | 0.96% | 0.80% | 0.79% | 0.73% | 0.79% | -18 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 | 8.50% | 8.65% | 8.69% | 8.66% | 8.31% | 8.14% | 8.21% | 8.35% | -31 bps | |
| Net Worth / Assets | 8.50% | 8.65% | 8.69% | 8.66% | 8.31% | 8.14% | 8.21% | 8.35% | -31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.77% | 88.40% | 88.28% | 89.38% | 84.79% | 87.49% | 86.93% | 88.73% | -65 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bremerton, WA · Charter 68576 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 16 branches
Q2 2026
Return on Assets
0.32%
Rank 385 of 435
Net Interest Margin
3.97%
Rank 59 of 435
Efficiency Ratio
69.75%
Rank 187 of 435
Equity / Assets
8.35%
Rank 412 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.32% | 0.55% | 0.81% | 1.14% | Beats 11% | 385 / 435 | ||
| Return on Equity | 3.85% | 5.12% | 7.41% | 9.70% | Beats 17% | 362 / 435 | ||
| Net Interest Margin | 3.97% | 3.01% | 3.39% | 3.75% | Beats 86% | 59 / 435 | ||
| Efficiency Ratio | 69.75% | 65.25% | 71.39% | 77.86% | Beats 57% | 187 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.79% | 0.45% | 0.69% | 1.05% | Beats 42% | 253 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.35% | 9.81% | 10.84% | 12.63% | Beats 5% | 412 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.35% | 9.81% | 10.84% | 12.63% | Beats 5% | 412 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 88.73% | 78.33% | 88.38% | 95.61% | 51st pctl | 213 / 435 | ||
| Loans / Assets | 80.15% | 67.69% | 74.58% | 80.80% | 71st pctl | 125 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||