Seatac, WA · Charter 8100
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 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
77
Asset Quality
86
Profitability
68
Liquidity
90
Efficiency
77
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.
Seatac, WA · Charter 8100
NCUA · 2 branches
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 | 1.76% | 1.66% | 1.54% | 1.23% | 1.18% | -58 bps | |
| Return on Equity | 11.96% | 11.20% | 10.51% | 8.58% | 8.10% | -386 bps | |
| Net Interest Margin | 3.81% | 3.77% | 3.67% | 3.48% | 3.55% | -27 bps | |
| Efficiency Ratio | 58.34% | 59.39% | 60.82% | 65.97% | 65.76% | +742 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.55% | 13.10% | 12.59% | 11.40% | 10.12% | -243 bps | |
| Loan Growth (YoY) | 3.93% | 5.36% | 6.47% | 5.77% | 5.58% | +165 bps | |
| Share Growth (YoY) | 13.10% | 13.96% | 13.35% | 11.44% | 10.21% | -289 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.16% | 0.09% | 0.48% | 0.18% | 0.30% | +13 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 | 14.72% | 14.85% | 14.70% | 14.37% | 14.63% | -8 bps | |
| Net Worth / Assets | 14.72% | 14.85% | 14.70% | 14.37% | 14.63% | -8 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.07% | 67.52% | 65.68% | 62.62% | 63.29% | -277 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Seatac, WA · Charter 8100 · Peer group: credit unions under $1B in assets in the Seattle-Tacoma-Bellevue, WA area (n=22)
NCUA · 2 branches
Q2 2026
Return on Assets
1.18%
Rank 4 of 22
Net Interest Margin
3.55%
Rank 13 of 22
Efficiency Ratio
65.75%
Rank 6 of 22
Equity / Assets
14.63%
Rank 5 of 22
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.18% | 0.11% | 0.57% | 0.99% | Beats 82% | 4 / 22 | |
| Return on Equity | 8.09% | 0.85% | 3.93% | 5.70% | Beats 82% | 4 / 22 | |
| Net Interest Margin | 3.55% | 3.17% | 3.57% | 4.25% | Beats 41% | 13 / 22 | |
| Efficiency Ratio | 65.75% | 65.75% | 80.47% | 91.31% | Beats 77% | 6 / 22 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.30% | 0.34% | 0.86% | 1.42% | Beats 86% | 4 / 22 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 14.63% | 10.62% | 13.36% | 14.42% | Beats 77% | 5 / 22 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 14.63% | 10.62% | 13.36% | 14.42% | Beats 77% | 5 / 22 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 63.29% | 61.01% | 65.58% | 83.83% | 32nd pctl | 15 / 22 | |
| Loans / Assets | 53.56% | 47.64% | 55.55% | 72.11% | 27th pctl | 16 / 22 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||