Shelton, WA · Charter 68609
NCUA · 8 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
48
Asset Quality
61
Profitability
62
Liquidity
7
Efficiency
73
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.
Shelton, WA · Charter 68609
NCUA · 8 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.88% | 1.74% | 1.30% | 1.13% | 1.16% | -72 bps | |
| Return on Equity | 15.47% | 14.10% | 10.51% | 9.11% | 9.17% | -629 bps | |
| Net Interest Margin | 3.82% | 3.66% | 3.65% | 3.46% | 3.55% | -27 bps | |
| Efficiency Ratio | 59.83% | 61.33% | 70.03% | 67.38% | 70.18% | +1,035 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.50% | 3.48% | 2.76% | 2.72% | 2.91% | +41 bps | |
| Loan Growth (YoY) | 0.38% | -5.90% | -10.80% | -11.74% | -8.14% | -851 bps | |
| Share Growth (YoY) | 1.45% | 2.46% | 1.43% | 1.32% | 1.69% | +24 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.33% | 0.25% | 0.36% | 0.43% | 0.48% | +15 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.15% | 12.36% | 12.33% | 12.42% | 12.67% | +52 bps | |
| Net Worth / Assets | 12.15% | 12.36% | 12.33% | 12.42% | 12.67% | +52 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 45.08% | 42.59% | 41.70% | 40.57% | 40.73% | -436 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Shelton, WA · Charter 68609 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 8 branches
Q2 2026
Return on Assets
1.16%
Rank 436 of 1,683
Net Interest Margin
3.55%
Rank 1,087 of 1,683
Efficiency Ratio
70.18%
Rank 461 of 1,682
Equity / Assets
12.67%
Rank 882 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.16% | 0.35% | 0.74% | 1.18% | Beats 74% | 436 / 1,683 | |
| Return on Equity | 9.17% | 2.67% | 5.89% | 8.74% | Beats 78% | 373 / 1,681 | |
| Net Interest Margin | 3.55% | 3.31% | 3.82% | 4.32% | Beats 35% | 1,087 / 1,683 | |
| Efficiency Ratio | 70.18% | 68.91% | 78.20% | 86.93% | Beats 73% | 461 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.48% | 0.26% | 0.65% | 1.29% | Beats 61% | 662 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.67% | 10.44% | 12.89% | 16.53% | Beats 48% | 882 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.67% | 10.44% | 12.89% | 16.53% | Beats 48% | 882 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 40.73% | 52.61% | 69.38% | 83.50% | 12th pctl | 1,487 / 1,683 | |
| Loans / Assets | 35.21% | 44.71% | 59.18% | 70.72% | 13th pctl | 1,465 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||