Bend, OR · Charter 12084
NCUA · 9 branches
Q3 2025
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.91% | 1.89% | 2.09% | 2.04% | 2.01% | 1.69% | 1.64% | 1.69% | -35 bps | |
| Return on Equity | 16.84% | 16.73% | 20.05% | 19.14% | 18.09% | 15.22% | 14.78% | 15.12% | -402 bps | |
| Net Interest Margin | 4.26% | 4.39% | 4.50% | 4.49% | 4.54% | 4.44% | 4.40% | 4.33% | -16 bps | |
| Efficiency Ratio | 58.69% | 61.18% | 58.92% | 58.56% | 59.19% | 65.33% | 64.40% | 62.66% | +410 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.89% | 7.20% | 6.40% | 8.02% | 7.49% | 6.84% | 9.68% | 11.10% | +308 bps | |
| Loan Growth (YoY) | 11.92% | 10.87% | 9.29% | 8.54% | 8.69% | 9.68% | 11.30% | 12.07% | +353 bps | |
| Share Growth (YoY) | 6.90% | 5.98% | 5.98% | 8.46% | 7.92% | 7.37% | 9.16% | 10.39% | +193 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.13% | 0.11% | 0.21% | 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 | 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 | 11.33% | 11.31% | 10.40% | 10.65% | 11.09% | 11.10% | 11.10% | 11.16% | +51 bps | |
| Net Worth / Assets | 11.33% | 11.31% | 10.40% | 10.65% | 11.09% | 11.10% | 11.10% | 11.16% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.33% | 95.95% | 96.84% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |