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 | |