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Northwest Adventist

Portland, OR · Charter 14786

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Portland-Vancouver-Hillsboro, OR-WA area3

Basis

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.

Peer group

Credit unions under $1B in assets in the Portland-Vancouver-Hillsboro, OR-WA area (n=20). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

55

Q2 2024Q2 2026peer median (50)

Asset Quality

80

Q2 2024Q2 2026peer median (50)

Profitability

60

Q2 2024Q2 2026peer median (50)

Liquidity

52

Q2 2024Q2 2026peer median

Efficiency

45

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Northwest Adventist

Portland, OR · Charter 14786

NCUA · 1 branch

Q2 2026

$33.9MAssets
$24.9MLoans
$28.6MShares
$5.2MNet Worth

Executive Summary

  • Earnings: ROA of 0.60%, down 78 bps year over year; NIM at 5.21%.
  • Asset quality: problem loans at 0.71% of loans (+32 bps YoY).
  • Capital: net worth / assets of 15.20%, up 175 bps from a year ago.
  • Funding: loans stand at 86.91% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.60%-78 bps YoY

Net Interest Margin (YTD, annualized)

5.21%+89 bps YoY

Efficiency Ratio (YTD, annualized)

87.55%+1,932 bps YoY

Net Worth / Assets

15.20%+175 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.44%1.44%1.47%1.38%1.40%1.22%0.66%0.60%-78 bps
Return on Equity11.59%11.75%11.44%10.27%10.02%9.05%4.51%3.93%-634 bps
Net Interest Margin4.06%3.99%4.11%4.32%4.33%4.13%5.08%5.21%+89 bps
Efficiency Ratio68.14%67.00%66.44%68.23%68.36%70.56%86.11%87.55%+1,932 bps
Growth
Asset Growth (YoY)0.20%8.98%3.46%2.31%-0.13%-0.12%-5.18%-4.92%-723 bps
Loan Growth (YoY)8.47%7.96%-0.77%-2.00%-1.02%-0.43%-1.60%-3.72%-172 bps
Share Growth (YoY)-2.13%8.61%0.62%0.84%-1.79%-0.24%-5.20%-5.91%-674 bps
Asset Quality
Delinquent Loans / Loans0.40%0.60%0.39%0.38%0.40%0.93%0.66%0.71%+32 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 Capital12.45%12.26%12.83%13.45%13.94%13.49%14.65%15.20%+175 bps
Net Worth / Assets12.45%12.26%12.83%13.45%13.94%13.49%14.65%15.20%+175 bps
Liquidity & Funding
Loans / Shares85.89%81.48%81.47%84.94%86.56%81.32%84.57%86.91%+197 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Northwest Adventist

Portland, OR · Charter 14786 · Peer group: credit unions under $1B in assets in the Portland-Vancouver-Hillsboro, OR-WA area (n=20)

NCUA · 1 branch

Q2 2026

$33.9MAssets
$24.9MLoans
$28.6MShares
$5.2MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 90% of credit unions under $1B in assets in the Portland-Vancouver-Hillsboro, OR-WA area (rank 2 of 20).
  • Widest gap: return on equity trails 60% of credit unions under $1B in assets in the Portland-Vancouver-Hillsboro, OR-WA area (rank 12 of 20).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

0.60%

Rank 10 of 20

Net Interest Margin

5.21%

Rank 2 of 20

Efficiency Ratio

87.49%

Rank 12 of 20

Equity / Assets

15.20%

Rank 9 of 20

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.60%0.06%0.60%1.13%Beats 50%10 / 20
Return on Equity3.92%0.46%4.53%6.81%Beats 40%12 / 20
Net Interest Margin5.21%3.68%4.11%4.53%Beats 90%2 / 20
Efficiency Ratio87.49%73.06%81.99%96.42%Beats 45%12 / 20
Asset Quality
Nonperforming Loans / Loans0.71%0.78%1.02%2.15%Beats 80%5 / 20
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio15.20%10.29%14.61%16.23%Beats 55%9 / 20
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets15.20%10.29%14.61%16.23%Beats 55%9 / 20
Liquidity & Funding
Loans / Deposits86.91%71.61%80.41%86.01%80th pctl4 / 20
Loans / Assets73.40%60.98%70.81%74.91%60th pctl8 / 20
Brokered Deposits / Depositsn/aNot reported for this institution