John Day, OR · Charter 12012
NCUA · 8 branches
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 | 0.48% | 0.49% | 0.55% | 0.61% | 0.61% | 0.57% | 0.23% | 0.37% | -24 bps | |
| Return on Equity | 3.78% | 3.89% | 4.43% | 4.89% | 4.91% | 4.79% | 1.95% | 3.12% | -177 bps | |
| Net Interest Margin | 4.16% | 4.13% | 3.93% | 4.02% | 3.98% | 3.90% | 3.83% | 3.92% | -10 bps | |
| Efficiency Ratio | 89.78% | 89.49% | 87.77% | 86.78% | 86.27% | 86.53% | 94.73% | 91.65% | +487 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.30% | -1.91% | 3.37% | 6.61% | 7.08% | 9.45% | 8.28% | 7.54% | +93 bps | |
| Loan Growth (YoY) | -0.68% | 1.15% | -0.59% | 1.54% | -0.22% | 0.79% | 2.99% | 2.72% | +118 bps | |
| Share Growth (YoY) | -2.63% | -2.49% | 3.50% | 5.62% | 7.33% | 9.53% | 8.60% | 7.77% | +215 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.73% | 1.63% | 1.20% | 1.67% | 1.31% | 2.40% | 1.69% | 1.37% | -29 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 | 12.75% | 12.64% | 12.36% | 12.50% | 12.35% | 12.00% | 11.79% | 11.97% | -53 bps | |
| Net Worth / Assets | 12.75% | 12.64% | 12.36% | 12.50% | 12.35% | 12.00% | 11.79% | 11.97% | -53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.79% | 77.52% | 73.01% | 75.34% | 72.31% | 71.33% | 69.24% | 71.81% | -353 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |