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 | |