Old West
John Day, OR · Charter 12012 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 8 branches
Q2 2026
$319.0MAssets
$199.8MLoans
$278.3MShares
$38.2MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 56% of credit unions under $1B in assets (rank 743 of 1683).
- Widest gap: efficiency ratio trails 85% of credit unions under $1B in assets (rank 1429 of 1682).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.37%
Rank 1,239 of 1,683
Net Interest Margin
3.92%
Rank 743 of 1,683
Efficiency Ratio
91.64%
Rank 1,429 of 1,682
Equity / Assets
11.97%
Rank 1,001 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.37% | 0.35% | 0.74% | 1.18% | Beats 26% | 1,239 / 1,683 | | |
| Return on Equity | 3.12% | 2.67% | 5.89% | 8.74% | Beats 29% | 1,198 / 1,681 | | |
| Net Interest Margin | 3.92% | 3.31% | 3.82% | 4.32% | Beats 56% | 743 / 1,683 | | |
| Efficiency Ratio | 91.64% | 68.91% | 78.20% | 86.93% | Beats 15% | 1,429 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.37% | 0.26% | 0.65% | 1.29% | Beats 23% | 1,288 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.97% | 10.44% | 12.89% | 16.53% | Beats 41% | 1,001 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.97% | 10.44% | 12.89% | 16.53% | Beats 41% | 1,001 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 71.81% | 52.61% | 69.38% | 83.50% | 55th pctl | 765 / 1,683 | | |
| Loans / Assets | 62.64% | 44.71% | 59.18% | 70.72% | 58th pctl | 711 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |