Our Community
Shelton, WA · Charter 68609 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 8 branches
Q2 2026
$638.3MAssets
$224.8MLoans
$551.8MShares
$80.9MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 78% of credit unions under $1B in assets (rank 373 of 1681).
- Widest gap: net interest margin trails 65% of credit unions under $1B in assets (rank 1087 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
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 | 8-Qtr Trend | 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 |