Eugene, OR · Charter 14545
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.
Capital
25
Asset Quality
57
Profitability
29
Liquidity
50
Efficiency
12
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Eugene, OR · Charter 14545
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 | 0.06% | 0.79% | 0.27% | 0.27% | 0.28% | 0.15% | -0.17% | -0.14% | -41 bps | |
| Return on Equity | 0.62% | 7.19% | 2.55% | 2.48% | 2.56% | 1.42% | -1.63% | -1.29% | -377 bps | |
| Net Interest Margin | 4.66% | 4.73% | 4.41% | 4.51% | 4.45% | 4.42% | 4.19% | 4.18% | -32 bps | |
| Efficiency Ratio | 79.00% | 69.76% | 86.61% | 87.83% | 88.68% | 89.93% | 94.25% | 93.58% | +576 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.17% | -3.81% | 0.56% | -0.77% | 1.52% | 3.56% | 2.04% | 3.93% | +470 bps | |
| Loan Growth (YoY) | -19.08% | -20.16% | -21.25% | -20.57% | -18.87% | -17.83% | -12.00% | -6.90% | +1,367 bps | |
| Share Growth (YoY) | -6.56% | -4.86% | -0.31% | -1.45% | 1.07% | 3.95% | 2.41% | 4.00% | +546 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.24% | 0.73% | 0.76% | 0.72% | 1.05% | 1.02% | 0.55% | 0.54% | -18 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 | 10.07% | 11.01% | 10.74% | 10.93% | 10.84% | 10.78% | 10.57% | 10.47% | -46 bps | |
| Net Worth / Assets | 10.07% | 11.01% | 10.74% | 10.93% | 10.84% | 10.78% | 10.57% | 10.47% | -46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.03% | 69.32% | 62.64% | 60.26% | 57.02% | 54.80% | 53.82% | 53.94% | -632 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Eugene, OR · Charter 14545 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
-0.14%
Rank 1,520 of 1,683
Net Interest Margin
4.18%
Rank 528 of 1,683
Efficiency Ratio
93.61%
Rank 1,475 of 1,682
Equity / Assets
10.47%
Rank 1,258 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.14% | 0.35% | 0.74% | 1.18% | Beats 10% | 1,520 / 1,683 | ||
| Return on Equity | -1.30% | 2.67% | 5.89% | 8.74% | Beats 9% | 1,530 / 1,681 | ||
| Net Interest Margin | 4.18% | 3.31% | 3.82% | 4.32% | Beats 69% | 528 / 1,683 | ||
| Efficiency Ratio | 93.61% | 68.91% | 78.20% | 86.93% | Beats 12% | 1,475 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.54% | 0.26% | 0.65% | 1.29% | Beats 57% | 726 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.47% | 10.44% | 12.89% | 16.53% | Beats 25% | 1,258 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.47% | 10.44% | 12.89% | 16.53% | Beats 25% | 1,258 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 53.94% | 52.61% | 69.38% | 83.50% | 27th pctl | 1,236 / 1,683 | ||
| Loans / Assets | 47.51% | 44.71% | 59.18% | 70.72% | 30th pctl | 1,183 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||