Tualatin, OR · Charter 10442
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Portland-Vancouver-Hillsboro, OR-WA area (n=20). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
40
Asset Quality
30
Profitability
30
Liquidity
68
Efficiency
35
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Tualatin, OR · Charter 10442
NCUA · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 0.52% | 0.61% | 0.56% | 0.58% | 0.19% | 0.24% | 0.22% | -35 bps | |
| Return on Equity | 4.52% | 4.11% | 4.79% | 4.28% | 4.35% | 1.46% | 1.82% | 1.66% | -261 bps | |
| Net Interest Margin | 3.52% | 3.48% | 3.61% | 3.85% | 3.91% | 3.85% | 3.77% | 3.71% | -14 bps | |
| Efficiency Ratio | 86.60% | 87.29% | 81.43% | 83.02% | 83.59% | 88.77% | 88.06% | 89.93% | +691 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.53% | 6.68% | 1.34% | -1.76% | -1.57% | -0.65% | -3.61% | 1.02% | +278 bps | |
| Loan Growth (YoY) | -7.03% | -5.63% | -5.31% | 1.70% | 0.79% | -2.67% | 0.11% | -6.82% | -852 bps | |
| Share Growth (YoY) | 4.38% | 6.23% | 0.16% | -3.27% | -3.49% | -1.42% | -4.14% | 0.54% | +381 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.59% | 0.98% | 1.09% | 1.12% | 0.73% | 0.50% | 0.56% | 1.60% | +48 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.56% | 12.54% | 12.72% | 13.13% | 13.29% | 12.81% | 13.29% | 13.02% | -11 bps | |
| Net Worth / Assets | 12.56% | 12.54% | 12.72% | 13.13% | 13.29% | 12.81% | 13.29% | 13.02% | -11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.28% | 73.24% | 71.76% | 76.47% | 76.53% | 72.32% | 74.94% | 70.87% | -560 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Tualatin, OR · Charter 10442 · Peer group: credit unions under $1B in assets in the Portland-Vancouver-Hillsboro, OR-WA area (n=20)
NCUA · 1 branch
Q2 2026
Return on Assets
0.22%
Rank 14 of 20
Net Interest Margin
3.71%
Rank 14 of 20
Efficiency Ratio
89.90%
Rank 14 of 20
Equity / Assets
13.02%
Rank 12 of 20
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.22% | 0.06% | 0.60% | 1.13% | Beats 30% | 14 / 20 | ||
| Return on Equity | 1.67% | 0.46% | 4.53% | 6.81% | Beats 30% | 14 / 20 | ||
| Net Interest Margin | 3.71% | 3.68% | 4.11% | 4.53% | Beats 30% | 14 / 20 | ||
| Efficiency Ratio | 89.90% | 73.06% | 81.99% | 96.42% | Beats 35% | 14 / 20 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.59% | 0.78% | 1.02% | 2.15% | Beats 30% | 15 / 20 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.02% | 10.29% | 14.61% | 16.23% | Beats 40% | 12 / 20 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.02% | 10.29% | 14.61% | 16.23% | Beats 40% | 12 / 20 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 70.87% | 71.61% | 80.41% | 86.01% | 20th pctl | 16 / 20 | ||
| Loans / Assets | 60.98% | 60.98% | 70.81% | 74.91% | 25th pctl | 15 / 20 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||