PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

IBEW/SJ Cascade

Salem, OR · Charter 14402

NCUA · 1 branch

Q2 2026

$22.5MAssets
$13.8MLoans
$19.2MShares
$3.2MNet Worth

Executive Summary

  • Earnings: ROA of 1.80%, up 62 bps year over year; NIM at 4.42%.
  • Asset quality: problem loans at 1.31% of loans (+12 bps YoY).
  • Capital: net worth / assets of 14.11%, up 107 bps from a year ago.
  • Funding: loans stand at 71.78% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

1.80%+62 bps YoY

Net Interest Margin (quarter, annualized)

4.42%+23 bps YoY

Efficiency Ratio (quarter, annualized)

61.23%-995 bps YoY

Net Worth / Assets

14.11%+107 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.00%0.85%1.11%1.19%1.27%1.37%1.53%1.80%+62 bps
Return on Equity8.26%7.00%8.70%9.10%9.74%10.32%11.25%12.77%+368 bps
Net Interest Margin3.95%4.00%4.12%4.19%4.22%4.23%4.30%4.42%+23 bps
Efficiency Ratio69.95%68.89%72.17%71.18%68.36%66.80%65.28%61.23%-995 bps
Growth
Asset Growth (YoY)-4.53%-1.60%-2.85%-3.26%0.35%0.54%4.47%4.44%+770 bps
Loan Growth (YoY)-2.63%-2.43%-2.99%-4.09%-5.44%-4.86%-5.66%-5.12%-104 bps
Share Growth (YoY)-5.32%-0.94%-3.65%-4.41%-0.71%-1.11%3.09%3.44%+785 bps
Asset Quality
Delinquent Loans / Loans2.08%0.30%0.39%1.19%0.10%0.46%1.47%1.31%+12 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.16%12.09%12.72%13.04%13.08%13.30%13.56%14.11%+107 bps
Net Worth / Assets12.16%12.09%12.72%13.04%13.08%13.30%13.56%14.11%+107 bps
Liquidity & Funding
Loans / Shares78.82%76.40%77.71%78.25%75.07%73.50%71.11%71.78%-648 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps