Qualstar Credit Union
Total assets
$923.1M
▲ +5.7% YoY
Shares & deposits
$760.7M
▲ +5.0% YoY
Loans
$559.9M
▲ +6.3% YoY
Members
62,575
▼ -7.3% YoY
ROA (annualized)
1.41%
peers 0.62%
ROE (annualized)
8.82%
peers 5.92%
Peer comparison 284 credit unions with 500M-1B in assets
| Metric | Qualstar Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +4.8% | +1.0 pts |
| Share growth (YoY) | +5.0% | +4.3% | +0.7 pts |
| Loan growth (YoY) | +6.3% | +4.3% | +2.0 pts |
| ROA | 1.41% | 0.62% | +0.8 pts |
| ROE | 8.8% | 5.9% | +2.9 pts |
ROA ranks in the 88th percentile of its peer group · Q1 2026
Profile
- Established
- 1952
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- Po Box 3050, Bothell, WA, 98041
- NCUA charter #
- 68223
- RSSD ID
- 553980
- 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 | $923.1M | $760.7M | $559.9M | $147.2M | $3.2M | 1.41% | 4.14% | 1.27% | 62,575 |
| Q4 2025 | $902.1M | $744.7M | $567.6M | $144.0M | $10.6M | 1.17% | 4.07% | 1.51% | 62,368 |
| Q3 2025 | $891.4M | $735.1M | $562.5M | $142.6M | $9.2M | 1.38% | 4.04% | 1.28% | 68,046 |
| Q2 2025 | $874.2M | $727.3M | $545.5M | $139.4M | $4.0M | 0.91% | 3.99% | 1.79% | 67,855 |
| Q1 2025 | $873.0M | $724.3M | $526.6M | $126.8M | $1.8M | 0.84% | 3.75% | 1.81% | 67,471 |
| Q4 2024 | $832.4M | $688.6M | $529.4M | $124.9M | $9.0M | 1.09% | 3.53% | 2.41% | 67,373 |
| Q3 2024 | $822.1M | $681.2M | $513.9M | $124.5M | $8.6M | 1.40% | 3.74% | 2.10% | 70,011 |
| Q2 2024 | $806.0M | $672.7M | $504.9M | $122.3M | $4.6M | 1.14% | 3.69% | 2.15% | 69,938 |
Loan mix (Q1 2026): real estate $254.6M · commercial $6.1M · consumer $215.4M · securities $227.3M
Ratio pack Q1 2026 · peer medians from 284 institutions
Profitability
| Ratio | Qualstar Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.41% | 0.62% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 8.8% | 5.9% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.48% | 90th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.4% | 78.3% | 4th | |
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 | Qualstar 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 | Qualstar 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 | Qualstar 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 | Qualstar 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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