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 | |