PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Mid Oregon

Bend, OR · Charter 12084

NCUA · 9 branches

Q3 2025

$839.8MAssets
$726.5MLoans
$743.6MShares
$93.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.69%, down 35 bps year over year; NIM at 4.33%.
  • Asset quality: problem loans at 0.20% of loans (+12 bps YoY).
  • Capital: net worth / assets of 11.16%, up 51 bps from a year ago.
  • Funding: loans stand at 97.69% of shares as of Q3 2025.

Financial Results

Return on Assets (quarter, annualized)

1.69%-35 bps YoY

Net Interest Margin (quarter, annualized)

4.33%-16 bps YoY

Efficiency Ratio (quarter, annualized)

62.66%+410 bps YoY

Net Worth / Assets

11.16%+51 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets2.04%2.01%1.69%1.64%1.69%-35 bps
Return on Equity19.14%18.09%15.22%14.78%15.12%-402 bps
Net Interest Margin4.49%4.54%4.44%4.40%4.33%-16 bps
Efficiency Ratio58.56%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 / Loans0.08%0.13%0.18%0.19%0.20%+12 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.65%11.09%11.10%11.10%11.16%+51 bps
Net Worth / Assets10.65%11.09%11.10%11.10%11.16%+51 bps
Liquidity & Funding
Loans / Shares96.23%98.02%98.01%98.74%97.69%+147 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps