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 | |