Westedge
Bellingham, WA · Charter 8113 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$79.2MAssets
$35.7MLoans
$66.1MShares
$13.8MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 83% of credit unions under $1B in assets (rank 286 of 1682).
- Widest gap: nonperforming loans / loans trails 76% of credit unions under $1B in assets (rank 1277 of 1682).
- Overall: at or above the peer median on 6 of 7 directional measures.
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 |