Oregon City, OR · Charter 11793
NCUA · 10 branches
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
20
Asset Quality
55
Profitability
45
Liquidity
99
Efficiency
55
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.
Oregon City, OR · Charter 11793
NCUA · 10 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.17% | 0.34% | 0.32% | 0.15% | 0.35% | +17 bps | |
| Return on Equity | 1.80% | 3.42% | 3.25% | 1.47% | 3.44% | +165 bps | |
| Net Interest Margin | 4.30% | 4.35% | 4.42% | 4.34% | 4.40% | +10 bps | |
| Efficiency Ratio | 89.46% | 84.65% | 82.20% | 84.85% | 81.82% | -764 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.29% | -1.72% | -0.93% | -0.77% | -0.67% | +162 bps | |
| Loan Growth (YoY) | 5.03% | 3.34% | 1.96% | -3.72% | -6.64% | -1,167 bps | |
| Share Growth (YoY) | -3.10% | -2.33% | -1.86% | -0.86% | -1.24% | +186 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.62% | 0.57% | 0.99% | 1.16% | 0.95% | +33 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.64% | 9.83% | 9.99% | 9.96% | 10.10% | +46 bps | |
| Net Worth / Assets | 9.64% | 9.83% | 9.99% | 9.96% | 10.10% | +46 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.28% | 83.09% | 83.85% | 81.23% | 79.67% | -461 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Oregon City, OR · Charter 11793 · Peer group: credit unions under $1B in assets in the Portland-Vancouver-Hillsboro, OR-WA area (n=20)
NCUA · 10 branches
Q2 2026
Return on Assets
0.35%
Rank 13 of 20
Net Interest Margin
4.40%
Rank 7 of 20
Efficiency Ratio
81.82%
Rank 10 of 20
Equity / Assets
10.10%
Rank 16 of 20
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.35% | 0.06% | 0.60% | 1.13% | Beats 35% | 13 / 20 | |
| Return on Equity | 3.44% | 0.46% | 4.53% | 6.81% | Beats 35% | 13 / 20 | |
| Net Interest Margin | 4.40% | 3.68% | 4.11% | 4.53% | Beats 65% | 7 / 20 | |
| Efficiency Ratio | 81.82% | 73.06% | 81.99% | 96.42% | Beats 55% | 10 / 20 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.95% | 0.78% | 1.02% | 2.15% | Beats 55% | 10 / 20 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.10% | 10.29% | 14.61% | 16.23% | Beats 20% | 16 / 20 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.10% | 10.29% | 14.61% | 16.23% | Beats 20% | 16 / 20 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.67% | 71.61% | 80.41% | 86.01% | 45th pctl | 11 / 20 | |
| Loans / Assets | 70.81% | 60.98% | 70.81% | 74.91% | 50th pctl | 10 / 20 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||