Harborstone

TACOMA, WA · 2 · Charter #66399 · www.Harborstone.com
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$3.1B
69th percentile
Members
119,906
51th percentile
Total loans
$2.3B
70th percentile
Total shares
$2.5B
68th percentile

Profitability

Return on assets
1.08%
55th percentile
Net interest margin
2.71%
22th percentile
Efficiency ratio
50.92%
52th percentile
Non-interest income ratio
22.48%
76th percentile

Capital & Risk

Net worth ratio
9.50%
21th percentile
Delinquency rate
1.04%
26th percentile
Net charge-off rate
0.60%
37th percentile
Loan-to-share
92.29%
57th percentile

Growth

Member growth YoY
29.54%
98th percentile
Asset growth YoY
45.66%
99th percentile
Loan growth YoY
49.32%
99th percentile
Share growth YoY
40.00%
99th percentile

Operations

Members / branch
3,868
7th percentile
Assets / member
$25,628
89th percentile
Field of membership penetration
7.62%
60th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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