Bend, OR · Charter 12084
NCUA · 9 branches
Q3 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2025, the quarter ended September 30, 2025, 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 (n=1,637 to 1,639). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
33
Asset Quality
79
Profitability
86
Liquidity
0
Efficiency
84
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.
Bend, OR · Charter 12084
NCUA · 9 branches
Q3 2025
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.04% | 2.01% | 1.69% | 1.64% | 1.69% | -35 bps | |
| Return on Equity | 19.14% | 18.09% | 15.22% | 14.78% | 15.12% | -402 bps | |
| Net Interest Margin | 4.49% | 4.54% | 4.44% | 4.40% | 4.33% | -16 bps | |
| Efficiency Ratio | 58.56% | 59.19% | 65.33% | 64.40% | 62.66% | +410 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.02% | 7.49% | 6.84% | 9.68% | 11.10% | +308 bps | |
| Loan Growth (YoY) | 8.54% | 8.69% | 9.68% | 11.30% | 12.07% | +353 bps | |
| Share Growth (YoY) | 8.46% | 7.92% | 7.37% | 9.16% | 10.39% | +193 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.08% | 0.13% | 0.18% | 0.19% | 0.20% | +12 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 | 10.65% | 11.09% | 11.10% | 11.10% | 11.16% | +51 bps | |
| Net Worth / Assets | 10.65% | 11.09% | 11.10% | 11.10% | 11.16% | +51 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 96.23% | 98.02% | 98.01% | 98.74% | 97.69% | +147 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bend, OR · Charter 12084 · Peer group: credit unions under $1B in assets (n=1,637-1,639)
NCUA · 9 branches
Q3 2025
Return on Assets
1.69%
Rank 198 of 1,639
Net Interest Margin
4.33%
Rank 436 of 1,638
Efficiency Ratio
62.66%
Rank 266 of 1,637
Equity / Assets
11.16%
Rank 1,096 of 1,638
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.69% | 0.40% | 0.81% | 1.29% | Beats 88% | 198 / 1,639 | |
| Return on Equity | 15.12% | 3.02% | 6.34% | 9.49% | Beats 96% | 65 / 1,638 | |
| Net Interest Margin | 4.33% | 3.27% | 3.83% | 4.38% | Beats 73% | 436 / 1,638 | |
| Efficiency Ratio | 62.66% | 67.38% | 76.32% | 84.73% | Beats 84% | 266 / 1,637 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.20% | 0.27% | 0.68% | 1.33% | Beats 79% | 339 / 1,637 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.16% | 10.38% | 12.80% | 16.53% | Beats 33% | 1,096 / 1,639 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.16% | 10.39% | 12.80% | 16.53% | Beats 33% | 1,096 / 1,638 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 97.69% | 55.01% | 72.16% | 85.44% | 94th pctl | 104 / 1,638 | |
| Loans / Assets | 86.50% | 46.69% | 60.81% | 72.42% | 98th pctl | 39 / 1,638 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||