PackageTrendsPeer
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Cheney

Cheney, WA · Charter 7101

NCUA · 2 branches

Q2 2026

$147.9MAssets
$75.9MLoans
$131.8MShares
$14.8MNet 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 0.60%, up 9 bps year over year; NIM at 2.68%.
  • Asset quality: problem loans at 0.55% of loans (+8 bps YoY).
  • Capital: net worth / assets of 10.01%, up 29 bps from a year ago.
  • Funding: loans stand at 57.55% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.60%+9 bps YoY

Net Interest Margin (YTD, annualized)

2.68%+30 bps YoY

Efficiency Ratio (YTD, annualized)

73.01%-307 bps YoY

Net Worth / Assets

10.01%+29 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.50%0.58%0.65%0.64%0.60%+9 bps
Return on Equity5.16%5.83%6.67%6.52%5.96%+80 bps
Net Interest Margin2.39%2.45%2.44%2.62%2.68%+30 bps
Efficiency Ratio76.08%74.04%72.74%73.36%73.01%-307 bps
Growth
Asset Growth (YoY)-0.94%2.28%5.25%3.63%4.53%+547 bps
Loan Growth (YoY)-0.66%1.18%4.95%3.03%0.14%+79 bps
Share Growth (YoY)-1.32%2.02%4.76%3.26%4.42%+574 bps
Asset Quality
Delinquent Loans / Loans0.48%0.24%0.58%0.90%0.55%+8 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 Capital9.73%9.87%9.69%9.82%10.01%+29 bps
Net Worth / Assets9.73%9.87%9.69%9.82%10.01%+29 bps
Liquidity & Funding
Loans / Shares60.02%60.05%59.31%57.85%57.55%-246 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps