Bellingham, WA · Charter 8113
NCUA · 1 branch
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
78
Asset Quality
24
Profitability
63
Liquidity
50
Efficiency
83
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.
Bellingham, WA · Charter 8113
NCUA · 1 branch
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 | 0.52% | 0.67% | 1.35% | 1.49% | 1.42% | 1.34% | 0.91% | 1.09% | -40 bps | |
| Return on Equity | 3.40% | 4.47% | 9.00% | 9.31% | 8.52% | 7.87% | 5.32% | 6.30% | -302 bps | |
| Net Interest Margin | 3.45% | 3.45% | 3.72% | 3.93% | 4.04% | 4.11% | 3.95% | 4.07% | +14 bps | |
| Efficiency Ratio | 71.95% | 69.85% | 62.04% | 60.28% | 62.10% | 63.01% | 66.79% | 64.67% | +439 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.11% | 6.78% | 6.94% | 3.99% | 0.41% | -3.91% | -5.37% | -1.59% | -557 bps | |
| Loan Growth (YoY) | 3.67% | 2.12% | -0.61% | 0.06% | 1.18% | -0.55% | -0.13% | -1.87% | -193 bps | |
| Share Growth (YoY) | -0.63% | 7.30% | 6.92% | 3.29% | -1.30% | -6.02% | -7.55% | -3.11% | -640 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.27% | 1.53% | 2.03% | 2.23% | 2.05% | 1.41% | 1.19% | 1.32% | -91 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 | 15.32% | 15.08% | 15.05% | 16.01% | 16.63% | 17.03% | 17.10% | 17.38% | +137 bps | |
| Net Worth / Assets | 15.32% | 15.08% | 15.05% | 16.01% | 16.63% | 17.03% | 17.10% | 17.38% | +137 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.02% | 51.77% | 50.14% | 53.30% | 55.38% | 54.78% | 54.16% | 53.98% | +68 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bellingham, WA · Charter 8113 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.10%
Rank 501 of 1,683
Net Interest Margin
4.07%
Rank 614 of 1,683
Efficiency Ratio
64.68%
Rank 286 of 1,682
Equity / Assets
17.38%
Rank 368 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.10% | 0.35% | 0.74% | 1.18% | Beats 70% | 501 / 1,683 | ||
| Return on Equity | 6.30% | 2.67% | 5.89% | 8.74% | Beats 54% | 770 / 1,681 | ||
| Net Interest Margin | 4.07% | 3.31% | 3.82% | 4.32% | Beats 64% | 614 / 1,683 | ||
| Efficiency Ratio | 64.68% | 68.91% | 78.20% | 86.93% | Beats 83% | 286 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.32% | 0.26% | 0.65% | 1.29% | Beats 24% | 1,277 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.38% | 10.44% | 12.89% | 16.53% | Beats 78% | 368 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.38% | 10.44% | 12.89% | 16.53% | Beats 78% | 368 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 53.98% | 52.61% | 69.38% | 83.50% | 27th pctl | 1,234 / 1,683 | ||
| Loans / Assets | 45.01% | 44.71% | 59.18% | 70.72% | 25th pctl | 1,254 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||