---
schema_version: "secwatch.filing_event.v1"
accession: "0000936528-25-000090"
form_type: "8-K"
ticker: "WAFD"
cik: "0000936528"
company_name: "WAFD INC"
filed_at: "2025-08-22T23:59:59+00:00"
generated_at: "2026-05-17T10:43:28.094566+00:00"
event_type: "other_material"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0000936528-25-000090
- form_type: 8-K
- ticker: WAFD
- cik: 0000936528
- company_name: WAFD INC
- filed_at: 2025-08-22T23:59:59+00:00
- event_type: other_material
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/936528/000093652825000090/0000936528-25-000090-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/936528/000093652825000090/wfsl-20250822.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000936528-25-000090
- JSON: https://secwatch.observer/filing/0000936528-25-000090.json
- Plain text: https://secwatch.observer/filing/0000936528-25-000090.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.