Everett, WA · Charter 68622
NCUA · 1 branch
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 in the Seattle-Tacoma-Bellevue, WA area (n=22). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
14
Asset Quality
45
Profitability
51
Liquidity
76
Efficiency
50
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.
Everett, WA · Charter 68622
NCUA · 1 branch
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 | 0.83% | 0.65% | 0.45% | 0.29% | 0.38% | -46 bps | |
| Return on Equity | 8.43% | 6.64% | 4.62% | 3.11% | 3.93% | -451 bps | |
| Net Interest Margin | 4.20% | 4.12% | 4.07% | 3.84% | 3.87% | -33 bps | |
| Efficiency Ratio | 72.41% | 73.12% | 78.26% | 82.24% | 80.43% | +802 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.76% | 6.82% | 5.64% | 5.53% | 5.77% | +1 bps | |
| Loan Growth (YoY) | -1.09% | -3.74% | -12.63% | -10.32% | -7.78% | -670 bps | |
| Share Growth (YoY) | 4.90% | 6.11% | 5.57% | 5.45% | 6.34% | +144 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.03% | 1.11% | 1.42% | 1.05% | 0.93% | -10 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 | 9.90% | 9.80% | 9.67% | 9.44% | 9.59% | -31 bps | |
| Net Worth / Assets | 9.90% | 9.80% | 9.67% | 9.44% | 9.59% | -31 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.36% | 66.66% | 63.04% | 61.27% | 61.01% | -934 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Everett, WA · Charter 68622 · Peer group: credit unions under $1B in assets in the Seattle-Tacoma-Bellevue, WA area (n=22)
NCUA · 1 branch
Q2 2026
Return on Assets
0.38%
Rank 12 of 22
Net Interest Margin
3.87%
Rank 9 of 22
Efficiency Ratio
80.47%
Rank 12 of 22
Equity / Assets
9.59%
Rank 19 of 22
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.38% | 0.11% | 0.57% | 0.99% | Beats 45% | 12 / 22 | |
| Return on Equity | 3.93% | 0.85% | 3.93% | 5.70% | Beats 50% | 11 / 22 | |
| Net Interest Margin | 3.87% | 3.17% | 3.57% | 4.25% | Beats 59% | 9 / 22 | |
| Efficiency Ratio | 80.47% | 65.75% | 80.47% | 91.31% | Beats 50% | 12 / 22 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.93% | 0.34% | 0.86% | 1.42% | Beats 45% | 13 / 22 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.59% | 10.62% | 13.36% | 14.42% | Beats 14% | 19 / 22 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.59% | 10.62% | 13.36% | 14.42% | Beats 14% | 19 / 22 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 61.01% | 61.01% | 65.58% | 83.83% | 23rd pctl | 17 / 22 | |
| Loans / Assets | 55.26% | 47.64% | 55.55% | 72.11% | 41st pctl | 13 / 22 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||