Cheney, WA · Charter 7101
NCUA · 2 branches
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
20
Asset Quality
56
Profitability
32
Liquidity
61
Efficiency
65
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.
Cheney, WA · Charter 7101
NCUA · 2 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.34% | 0.30% | 0.31% | 0.50% | 0.58% | 0.65% | 0.64% | 0.60% | +9 bps | |
| Return on Equity | 3.51% | 3.12% | 3.32% | 5.16% | 5.83% | 6.67% | 6.52% | 5.96% | +80 bps | |
| Net Interest Margin | 2.08% | 2.13% | 2.29% | 2.39% | 2.45% | 2.44% | 2.62% | 2.68% | +30 bps | |
| Efficiency Ratio | 84.62% | 83.96% | 81.64% | 76.08% | 74.04% | 72.74% | 73.36% | 73.01% | -307 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.03% | -6.80% | -4.22% | -0.94% | 2.28% | 5.25% | 3.63% | 4.53% | +547 bps | |
| Loan Growth (YoY) | 1.19% | -0.18% | -0.04% | -0.66% | 1.18% | 4.95% | 3.03% | 0.14% | +79 bps | |
| Share Growth (YoY) | -9.89% | -7.48% | -4.80% | -1.32% | 2.02% | 4.76% | 3.26% | 4.42% | +574 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.12% | 0.49% | 0.42% | 0.48% | 0.24% | 0.58% | 0.90% | 0.55% | +8 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.61% | 9.52% | 9.42% | 9.73% | 9.87% | 9.69% | 9.82% | 10.01% | +29 bps | |
| Net Worth / Assets | 9.61% | 9.52% | 9.42% | 9.73% | 9.87% | 9.69% | 9.82% | 10.01% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.55% | 59.21% | 57.98% | 60.02% | 60.05% | 59.31% | 57.85% | 57.55% | -246 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cheney, WA · Charter 7101 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.60%
Rank 1,014 of 1,683
Net Interest Margin
2.68%
Rank 1,576 of 1,683
Efficiency Ratio
73.01%
Rank 591 of 1,682
Equity / Assets
10.01%
Rank 1,342 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.60% | 0.35% | 0.74% | 1.18% | Beats 40% | 1,014 / 1,683 | ||
| Return on Equity | 5.96% | 2.67% | 5.89% | 8.74% | Beats 51% | 832 / 1,681 | ||
| Net Interest Margin | 2.68% | 3.31% | 3.82% | 4.32% | Beats 6% | 1,576 / 1,683 | ||
| Efficiency Ratio | 73.01% | 68.91% | 78.20% | 86.93% | Beats 65% | 591 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.55% | 0.26% | 0.65% | 1.29% | Beats 56% | 741 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.01% | 10.44% | 12.89% | 16.53% | Beats 20% | 1,342 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.01% | 10.44% | 12.89% | 16.53% | Beats 20% | 1,342 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 57.55% | 52.61% | 69.38% | 83.50% | 31st pctl | 1,155 / 1,683 | ||
| Loans / Assets | 51.28% | 44.71% | 59.18% | 70.72% | 36th pctl | 1,078 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||