WaFd Q3 FY2025 net income $62M, down 4% YoY; loan growth slows, NIM compressed

WAFD INC

Net income $61.95M for quarter ended June 30, 2025 vs $64.56M YoY; EPS available to common $0.66 (implied).
Net interest margin narrowed to ~2.59% (estimated) as net interest income fell 5% to $168M.
Non-performing assets $97M (0.36% of total assets); allowance for credit losses $199M covers 205% of NPAs.
Deposits $21.4B, uninsured/uncollateralized at 23.8%; cost of deposits 2.77% vs Fed funds 4.50%.
YTD share buybacks 2.48M shares at $29.49; $0.27 quarterly dividend yield 3.63%; 9.1M shares remain authorized.

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