PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Northwest Adventist

Portland, OR · Charter 14786

NCUA · 1 branch

Q2 2026

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

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

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.

Financial Results

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.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.38%1.40%1.22%0.66%0.60%-78 bps
Return on Equity10.27%10.02%9.05%4.51%3.93%-634 bps
Net Interest Margin4.32%4.33%4.13%5.08%5.21%+89 bps
Efficiency Ratio68.23%68.36%70.56%86.11%87.55%+1,932 bps
Growth
Asset Growth (YoY)2.31%-0.13%-0.12%-5.18%-4.92%-723 bps
Loan Growth (YoY)-2.00%-1.02%-0.43%-1.60%-3.72%-172 bps
Share Growth (YoY)0.84%-1.79%-0.24%-5.20%-5.91%-674 bps
Asset Quality
Delinquent Loans / Loans0.38%0.40%0.93%0.66%0.71%+32 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.45%13.94%13.49%14.65%15.20%+175 bps
Net Worth / Assets13.45%13.94%13.49%14.65%15.20%+175 bps
Liquidity & Funding
Loans / Shares84.94%86.56%81.32%84.57%86.91%+197 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps