Portland, OR · Charter 13649
NCUA · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, 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=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Trailing 9 quarters, through Q2 2026
Capital
33
Asset Quality
8
Profitability
79
Liquidity
3
Efficiency
82
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is a stronger peer standing, and the peer median is fixed at 50. Liquidity, Growth: closeness to the peer median, 100 at the median.
Portland, OR · Charter 13649
NCUA · 4 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 | 1.39% | 1.45% | 1.84% | 1.38% | 1.18% | 1.21% | 1.10% | 1.02% | -36 bps | |
| Return on Equity | 11.83% | 12.35% | 15.64% | 11.76% | 10.40% | 10.48% | 9.54% | 9.19% | -258 bps | |
| Net Interest Margin | 5.17% | 4.96% | 4.86% | 4.91% | 4.82% | 4.86% | 5.12% | 5.01% | +10 bps | |
| Efficiency Ratio | 70.65% | 69.51% | 67.52% | 69.02% | 69.49% | 67.49% | 66.34% | 65.59% | -343 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.47% | 13.39% | 12.57% | 12.13% | 16.59% | 13.71% | 12.45% | 16.06% | +393 bps | |
| Loan Growth (YoY) | 5.35% | 5.19% | 5.67% | 7.16% | 18.19% | 16.16% | 12.94% | 13.21% | +605 bps | |
| Share Growth (YoY) | 9.58% | 13.69% | 14.32% | 11.67% | 16.88% | 14.13% | 13.41% | 17.17% | +550 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.81% | 2.25% | 2.80% | 2.82% | 3.42% | 2.93% | 2.95% | 2.97% | +14 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 | 11.74% | 11.72% | 11.76% | 11.70% | 11.36% | 11.51% | 11.50% | 11.10% | -59 bps | |
| Net Worth / Assets | 11.74% | 11.72% | 11.76% | 11.70% | 11.36% | 11.51% | 11.50% | 11.10% | -59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.28% | 90.83% | 93.07% | 94.68% | 92.31% | 92.45% | 92.68% | 91.47% | -320 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Portland, OR · Charter 13649 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
1.02%
Rank 577 of 1,683
Net Interest Margin
5.01%
Rank 141 of 1,683
Efficiency Ratio
65.59%
Rank 311 of 1,682
Equity / Assets
11.10%
Rank 1,128 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.02% | 0.35% | 0.74% | 1.18% | Beats 66% | 577 / 1,683 | ||
| Return on Equity | 9.19% | 2.67% | 5.89% | 8.74% | Beats 78% | 369 / 1,681 | ||
| Net Interest Margin | 5.01% | 3.31% | 3.82% | 4.32% | Beats 92% | 141 / 1,683 | ||
| Efficiency Ratio | 65.59% | 68.91% | 78.20% | 86.93% | Beats 82% | 311 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.96% | 0.26% | 0.65% | 1.29% | Beats 8% | 1,551 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.10% | 10.44% | 12.89% | 16.53% | Beats 33% | 1,128 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.10% | 10.44% | 12.89% | 16.53% | Beats 33% | 1,128 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 91.47% | 52.61% | 69.38% | 83.50% | 89th pctl | 183 / 1,683 | ||
| Loans / Assets | 80.87% | 44.71% | 59.18% | 70.72% | 93rd pctl | 119 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||