Spokane, WA · Charter 8132
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
87
Asset Quality
11
Profitability
8
Liquidity
66
Efficiency
8
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.
Spokane, WA · Charter 8132
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 | 0.69% | 0.63% | 0.33% | 0.34% | 0.35% | 0.32% | -0.17% | -0.11% | -44 bps | |
| Return on Equity | 3.08% | 2.80% | 1.51% | 1.55% | 1.65% | 1.49% | -0.80% | -0.53% | -209 bps | |
| Net Interest Margin | 2.87% | 2.87% | 2.79% | 2.81% | 2.76% | 2.74% | 2.41% | 2.35% | -47 bps | |
| Efficiency Ratio | 74.69% | 75.66% | 80.30% | 82.48% | 82.59% | 84.77% | 97.21% | 98.67% | +1,619 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.19% | 0.34% | 3.40% | 4.13% | 6.82% | 7.44% | 5.47% | 9.05% | +492 bps | |
| Loan Growth (YoY) | 1.68% | -1.28% | -4.50% | -5.70% | -4.76% | -6.71% | -8.97% | -11.78% | -608 bps | |
| Share Growth (YoY) | -2.69% | 0.41% | 3.61% | 4.37% | 8.95% | 8.90% | 7.89% | 12.64% | +826 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.22% | 2.08% | 1.78% | 1.64% | 1.40% | 2.31% | 2.50% | 2.35% | +70 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 | 22.46% | 22.42% | 21.62% | 21.73% | 21.40% | 21.18% | 20.69% | 20.02% | -171 bps | |
| Net Worth / Assets | 22.46% | 22.42% | 21.62% | 21.73% | 21.40% | 21.18% | 20.69% | 20.02% | -171 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.19% | 79.58% | 75.32% | 75.36% | 71.84% | 68.17% | 63.55% | 59.03% | -1,634 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Spokane, WA · Charter 8132 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.11%
Rank 1,511 of 1,683
Net Interest Margin
2.35%
Rank 1,636 of 1,683
Efficiency Ratio
98.66%
Rank 1,544 of 1,682
Equity / Assets
20.02%
Rank 224 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.11% | 0.35% | 0.74% | 1.18% | Beats 10% | 1,511 / 1,683 | ||
| Return on Equity | -0.53% | 2.67% | 5.89% | 8.74% | Beats 10% | 1,507 / 1,681 | ||
| Net Interest Margin | 2.35% | 3.31% | 3.82% | 4.32% | Beats 3% | 1,636 / 1,683 | ||
| Efficiency Ratio | 98.66% | 68.91% | 78.20% | 86.93% | Beats 8% | 1,544 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.35% | 0.26% | 0.65% | 1.29% | Beats 11% | 1,497 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.02% | 10.44% | 12.89% | 16.53% | Beats 87% | 224 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 20.02% | 10.44% | 12.89% | 16.53% | Beats 87% | 224 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 59.03% | 52.61% | 69.38% | 83.50% | 33rd pctl | 1,121 / 1,683 | ||
| Loans / Assets | 47.05% | 44.71% | 59.18% | 70.72% | 29th pctl | 1,197 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||