Anacortes, WA · Charter 9145
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
79
Asset Quality
12
Profitability
59
Liquidity
77
Efficiency
49
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.
Anacortes, WA · Charter 9145
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 | 1.34% | 1.23% | 1.31% | 0.74% | 0.81% | 0.62% | 1.09% | 0.96% | +22 bps | |
| Return on Equity | 9.13% | 8.19% | 8.37% | 5.12% | 5.59% | 4.16% | 7.04% | 5.48% | +36 bps | |
| Net Interest Margin | 3.72% | 3.68% | 3.45% | 3.54% | 3.59% | 3.68% | 3.80% | 4.13% | +59 bps | |
| Efficiency Ratio | 64.19% | 67.47% | 64.62% | 62.07% | 68.92% | 75.10% | 73.09% | 78.52% | +1,645 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.55% | 7.97% | -1.10% | 3.81% | 5.74% | 3.05% | 4.79% | -13.59% | -1,739 bps | |
| Loan Growth (YoY) | -7.12% | -8.75% | -14.57% | -8.75% | -14.68% | -16.84% | -18.38% | -22.12% | -1,336 bps | |
| Share Growth (YoY) | 5.16% | 7.47% | 5.44% | 3.49% | 5.83% | 3.69% | -2.84% | -16.90% | -2,039 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.53% | 2.93% | 0.00% | 1.86% | 1.91% | 1.92% | 2.20% | 2.29% | +43 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 | 14.69% | 14.96% | 15.61% | 14.46% | 14.43% | 14.85% | 15.49% | 17.51% | +305 bps | |
| Net Worth / Assets | 14.69% | 14.96% | 15.61% | 14.46% | 14.43% | 14.85% | 15.49% | 17.51% | +305 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.51% | 86.50% | 78.62% | 79.61% | 71.37% | 69.37% | 66.05% | 74.61% | -500 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Anacortes, WA · Charter 9145 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.96%
Rank 621 of 1,683
Net Interest Margin
4.13%
Rank 571 of 1,683
Efficiency Ratio
78.45%
Rank 858 of 1,682
Equity / Assets
17.51%
Rank 360 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.96% | 0.35% | 0.74% | 1.18% | Beats 63% | 621 / 1,683 | ||
| Return on Equity | 5.50% | 2.67% | 5.89% | 8.74% | Beats 47% | 898 / 1,681 | ||
| Net Interest Margin | 4.13% | 3.31% | 3.82% | 4.32% | Beats 66% | 571 / 1,683 | ||
| Efficiency Ratio | 78.45% | 68.91% | 78.20% | 86.93% | Beats 49% | 858 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.28% | 0.26% | 0.65% | 1.29% | Beats 12% | 1,488 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.51% | 10.44% | 12.89% | 16.53% | Beats 79% | 360 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.51% | 10.44% | 12.89% | 16.53% | Beats 79% | 360 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 74.61% | 52.61% | 69.38% | 83.50% | 60th pctl | 679 / 1,683 | ||
| Loans / Assets | 61.00% | 44.71% | 59.18% | 70.72% | 54th pctl | 772 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||