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 (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 | 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 | |