<SEC-DOCUMENT>0000000000-24-010773.txt : 20241120
<SEC-HEADER>0000000000-24-010773.hdr.sgml : 20241120
<ACCEPTANCE-DATETIME>20240923103613
<PRIVATE-TO-PUBLIC>
ACCESSION NUMBER:		0000000000-24-010773
CONFORMED SUBMISSION TYPE:	UPLOAD
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20240923

FILED FOR:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			WAFD INC
		CENTRAL INDEX KEY:			0000936528
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				911661606
		STATE OF INCORPORATION:			WA
		FISCAL YEAR END:			0930

	FILING VALUES:
		FORM TYPE:		UPLOAD
		SEC FILE NUMBER:	001-34654

	BUSINESS ADDRESS:	
		STREET 1:		425 PIKE STREET
		CITY:			SEATTLE
		STATE:			WA
		ZIP:			98101
		BUSINESS PHONE:		2066247930

	MAIL ADDRESS:	
		STREET 1:		425 PIKE ST
		CITY:			SEATTLE
		STATE:			WA
		ZIP:			98101

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	WASHINGTON FEDERAL INC
		DATE OF NAME CHANGE:	20230928

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	WAFD INC
		DATE OF NAME CHANGE:	20230927

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	WASHINGTON FEDERAL INC
		DATE OF NAME CHANGE:	19950206
PUBLIC REFERENCE ACCESSION NUMBER:		0000936528-23-000207
</SEC-HEADER>
<DOCUMENT>
<TYPE>LETTER
<SEQUENCE>1
<FILENAME>filename1.pdf
<TEXT>
<PDF>
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<DOCUMENT>
<TYPE>TEXT-EXTRACT
<SEQUENCE>2
<FILENAME>filename2.txt
<TEXT>
                                                           September 23, 2024

Kelli Holz
Chief Financial Officer
WaFD Inc.
425 Pike Street
Seattle, Washington 98101

       Re: WaFD Inc.
           Form 10-K for Fiscal Year Ended September 30, 2023
           Form 8-K filed July 17, 2024
           File No. 001-34654
Dear Kelli Holz:

       We have reviewed your filing and have the following comments.

       Please respond to this letter within ten business days by providing the
requested
information or advise us as soon as possible when you will respond. If you do
not believe a
comment applies to your facts and circumstances, please tell us why in your
response.

       After reviewing your response to this letter, we may have additional
comments.

Form 8-K, filed July 17, 2024
Exhibit 99.1, page 12

1.     We note your presentation of    tangible shareholders    equity +
allowance for credit losses
       to tangible assets    in your earnings releases presented in Exhibit
99.1 to your Form 8-K.
       This measure appears to represent an individually tailored accounting
measure given that
       the adjustment to include the allowance for credit losses has the effect
of changing the
       recognition and measurement principles required to be applied in
accordance with GAAP.
       Therefore, please remove the presentation of this non-GAAP measure from
your future
       filings. Refer to Question 100.04 of the Division of Corporation Finance
  s Compliance
       & Disclosure Interpretations on Non-GAAP Financial Measures and Rule
100(b) of
       Regulation G.
Form 10-K for Fiscal Year Ended September 30, 2023
Lending Activities, page 7

2.     We note the tabular presentation of gross loans by category. Given the
significance of the
       commercial real estate ("CRE") loan portfolio, please revise your
disclosures in future
 September 23, 2024
Page 2

       filings to further disaggregate the composition of your CRE loan
portfolio by separately
       presenting the components of the portfolio by borrower type (e.g., by
office, hotel, etc.).
       Revise your disclosure in future filings to clarify the extent that your
CRE are owner-
       occupied and non-owner occupied. We also note that you separately
present your loans
       receivable by geography in your annual report, but you do not present
similar disclosure
       in your quarterly reports for the periods ended December 31, 2023, March
31, 2024, and
       June 30, 2024. In future filings, please revise your disclosure to
presents your loans
       receivable by geography.
Quantitative and Qualitative Disclosures About Market Risk
Interest Rate Risk, page 56

3.     We note your disclosure that the company manages interest rate risk
within guidelines
       established by the Board. We also note your disclosure at page 27 that
your risk
       management framework is comprised of various processes, systems and
strategies, and is
       designed to manage the types of risk to which you are subject to,
including credit, market,
       liquidity, interest rate and compliance. To provide additional context
for these statements,
       in future filings, please describe your risk management policies and how
the Board of
       Directors and / or the risk management committee oversee existing and
emerging risks,
       such as interest rate risk, liquidity and compliance. Please also revise
future filings to
       provide a materially complete description of how your corporate
governance policies and
       procedures seek to manage risks due to changes in, for example, the
economy or
       regulatory framework, as well as your operational facts and
circumstances.
        We remind you that the company and its management are responsible for
the accuracy
and adequacy of their disclosures, notwithstanding any review, comments, action
or absence of
action by the staff.

       Please contact Ben Phippen at 202-551-3697 or John Spitz at 202-551-3484
if you have
questions regarding comments on the financial statements and related matters.
Please contact
Madeleine Joy Mateo at 202-551-3465 or Susan Block at 202-551-3210 with any
other
questions.



                                                            Sincerely,

                                                            Division of
Corporation Finance
                                                            Office of Finance
</TEXT>
</DOCUMENT>
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