Kitsap Credit Union
Total assets
$2.52B
▲ +8.2% YoY
Shares & deposits
$2.28B
▲ +10.1% YoY
Loans
$1.98B
▲ +8.5% YoY
Members
165,074
▲ +4.1% YoY
ROA (annualized)
0.28%
peers 0.71%
ROE (annualized)
3.36%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | Kitsap Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.2% | +5.1% | +3.0 pts |
| Share growth (YoY) | +10.1% | +4.9% | +5.3 pts |
| Loan growth (YoY) | +8.5% | +5.4% | +3.0 pts |
| ROA | 0.28% | 0.71% | -0.4 pts |
| ROE | 3.4% | 6.3% | -2.9 pts |
ROA ranks in the 14th percentile of its peer group · Q1 2026
Profile
- Established
- 1934
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- Po Box 990, Bremerton, WA, 98337
- NCUA charter #
- 68576
- RSSD ID
- 754693
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.52B | $2.28B | $1.98B | $207.0M | $1.7M | 0.28% | 3.90% | 0.73% | 165,074 |
| Q4 2025 | $2.52B | $2.24B | $1.96B | $205.3M | $8.6M | 0.34% | 3.68% | 0.79% | 163,285 |
| Q3 2025 | $2.44B | $2.17B | $1.84B | $202.6M | $5.9M | 0.32% | 3.75% | 0.80% | 162,341 |
| Q2 2025 | $2.35B | $2.07B | $1.85B | $203.1M | $2.4M | 0.21% | 3.83% | 0.96% | 160,589 |
| Q1 2025 | $2.33B | $2.07B | $1.83B | $202.4M | $1.7M | 0.29% | 3.72% | 0.87% | 158,510 |
| Q4 2024 | $2.32B | $2.05B | $1.82B | $200.7M | $6.0M | 0.26% | 3.45% | 0.95% | 156,018 |
| Q3 2024 | $2.33B | $2.04B | $1.81B | $198.3M | $3.5M | 0.20% | 3.37% | 0.90% | 161,139 |
| Q2 2024 | $2.33B | $2.06B | $1.82B | $200.2M | $1.5M | 0.13% | 3.32% | 0.82% | 160,107 |
Loan mix (Q1 2026): real estate $736.6M · commercial $85.4M · consumer $899.3M · securities $290.8M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Kitsap Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.28% | 0.71% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 3.4% | 6.3% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.90% | 3.32% | 87th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.5% | 73.0% | 41th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Kitsap Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Kitsap Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Kitsap Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Kitsap Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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