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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |