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 | |