Charter stopped appearing in NCUA call reports — usually a merger; NCUA doesn't publish the acquirer in this data. Figures below are from its last filing. All recent changes →
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +4.1% | -1.8 pts |
| Share growth (YoY) | +1.9% | +3.5% | -1.6 pts |
| Loan growth (YoY) | -7.5% | +2.9% | -10.3 pts |
| ROA | 0.88% | 0.74% | +0.1 pts |
| ROE | 6.3% | 6.5% | -0.2 pts |
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $105.7M | $90.5M | $39.6M | $14.7M | $232K | 0.88% | 3.68% | 0.49% | 7,462 |
| Q4 2025 | $105.2M | $90.2M | $40.6M | $14.4M | $837K | 0.80% | 3.79% | 0.51% | 7,203 |
| Q3 2025 | $103.8M | $89.0M | $41.1M | $14.4M | $621K | 0.80% | 3.85% | 0.45% | 7,213 |
| Q2 2025 | $104.7M | $90.1M | $42.3M | $14.1M | $422K | 0.81% | 3.75% | 2.74% | 7,786 |
| Q1 2025 | $103.3M | $88.8M | $42.8M | $13.9M | $209K | 0.81% | 3.74% | 0.68% | 7,232 |
| Q4 2024 | $103.9M | $89.8M | $43.6M | $13.7M | $1.1M | 1.06% | 3.76% | 0.59% | 7,206 |
| Q3 2024 | $103.5M | $89.5M | $44.2M | $13.6M | $843K | 1.09% | 3.77% | 0.78% | 7,914 |
| Q2 2024 | $102.8M | $89.1M | $45.3M | $13.3M | $607K | 1.18% | 3.73% |
| Ratio | Strait View Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.88% | 0.74% | — | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 6.5% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.67% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner |
Peer lists, growth filters, CSV export, CRM push.
| 0.06% |
| 7,109 |
Loan mix (Q1 2026): real estate $10.3M · commercial $0 · consumer $19.6M · securities $46.9M
| 73.7% |
| 77.5% |
| — |
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% |
| Ratio | Strait View 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% |
| Ratio | Strait View Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Strait View 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% |
| Ratio | Strait View 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% |
| Ratio | Strait View 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% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Clallam, WA, ranked 10th with 3.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Clallam, WA | 1 | $90.1M* | 3.09% | 10th |
Washington: 105th with 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Mar 31, 2026 | Target | Great Northwest | Merger | Completed | NCUA |