Mid Oregon
Bend, OR · Charter 12084 · Peer group: credit unions under $1B in assets (n=1,637-1,639)
NCUA · 9 branches
Q3 2025
$839.8MAssets
$726.5MLoans
$743.6MShares
$93.7MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 96% of credit unions under $1B in assets (rank 65 of 1638).
- Widest gap: equity / assets trails 67% of credit unions under $1B in assets (rank 1096 of 1638).
- Overall: at or above the peer median on 5 of 7 directional measures.
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 | 8-Qtr Trend | 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 |