Embold 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
$595.7M Assets
$421.8M Loans
$529.5M Shares
$60.2M Net Worth
Executive Summary Strongest standing: net interest margin outperforms 65% of credit unions under $1B in assets in the Portland-Vancouver-Hillsboro, OR-WA area (rank 7 of 20). Widest gap: equity / assets trails 80% of credit unions under $1B in assets in the Portland-Vancouver-Hillsboro, OR-WA area (rank 16 of 20). Overall: at or above the peer median on 3 of 7 directional measures. 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 8-Qtr Trend 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
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Portland-Vancouver-Hillsboro, OR-WA area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure. Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11