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Our Community

Shelton, WA · Charter 68609

NCUA · 8 branches

Q2 2026

$638.3MAssets
$224.8MLoans
$551.8MShares
$80.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.16%, down 72 bps year over year; NIM at 3.55%.
  • Asset quality: problem loans at 0.48% of loans (+15 bps YoY).
  • Capital: net worth / assets of 12.67%, up 52 bps from a year ago.
  • Funding: loans stand at 40.73% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.16%-72 bps YoY

Net Interest Margin (YTD, annualized)

3.55%-27 bps YoY

Efficiency Ratio (YTD, annualized)

70.18%+1,035 bps YoY

Net Worth / Assets

12.67%+52 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.88%1.74%1.30%1.13%1.16%-72 bps
Return on Equity15.47%14.10%10.51%9.11%9.17%-629 bps
Net Interest Margin3.82%3.66%3.65%3.46%3.55%-27 bps
Efficiency Ratio59.83%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 / Loans0.33%0.25%0.36%0.43%0.48%+15 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.15%12.36%12.33%12.42%12.67%+52 bps
Net Worth / Assets12.15%12.36%12.33%12.42%12.67%+52 bps
Liquidity & Funding
Loans / Shares45.08%42.59%41.70%40.57%40.73%-436 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps