Salem, OR · Charter 16113
NCUA · 1 branch
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
40
Asset Quality
28
Profitability
45
Liquidity
95
Efficiency
43
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.
Salem, OR · Charter 16113
NCUA · 1 branch
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 | 0.93% | 0.98% | 0.51% | 0.43% | 0.48% | 0.50% | 0.53% | 0.65% | +22 bps | |
| Return on Equity | 7.85% | 8.15% | 4.47% | 3.71% | 4.08% | 4.28% | 4.49% | 5.49% | +177 bps | |
| Net Interest Margin | 4.17% | 4.19% | 3.76% | 3.81% | 3.80% | 3.77% | 3.67% | 3.70% | -11 bps | |
| Efficiency Ratio | 69.84% | 70.54% | 77.69% | 79.24% | 78.83% | 78.95% | 79.44% | 80.40% | +116 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.73% | 3.55% | 7.01% | 6.59% | 6.03% | 6.86% | 2.20% | 3.39% | -320 bps | |
| Loan Growth (YoY) | -5.21% | -3.05% | -1.79% | -0.26% | -1.67% | -2.39% | 0.84% | 1.71% | +197 bps | |
| Share Growth (YoY) | 1.31% | 2.69% | 1.99% | 1.82% | 1.60% | 2.70% | 1.99% | 3.21% | +140 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.16% | 1.23% | 1.17% | 1.16% | 1.34% | 1.40% | 1.19% | 1.17% | 0 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 | 11.78% | 12.05% | 11.49% | 11.65% | 11.73% | 11.76% | 11.73% | 11.86% | +21 bps | |
| Net Worth / Assets | 11.78% | 12.05% | 11.49% | 11.65% | 11.73% | 11.76% | 11.73% | 11.86% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.14% | 74.80% | 71.56% | 71.55% | 71.75% | 71.10% | 70.75% | 70.51% | -104 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Salem, OR · Charter 16113 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.65%
Rank 949 of 1,683
Net Interest Margin
3.70%
Rank 948 of 1,683
Efficiency Ratio
80.42%
Rank 956 of 1,682
Equity / Assets
11.86%
Rank 1,016 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.65% | 0.35% | 0.74% | 1.18% | Beats 44% | 949 / 1,683 | ||
| Return on Equity | 5.49% | 2.67% | 5.89% | 8.74% | Beats 46% | 900 / 1,681 | ||
| Net Interest Margin | 3.70% | 3.31% | 3.82% | 4.32% | Beats 44% | 948 / 1,683 | ||
| Efficiency Ratio | 80.42% | 68.91% | 78.20% | 86.93% | Beats 43% | 956 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.17% | 0.26% | 0.65% | 1.29% | Beats 28% | 1,211 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.86% | 10.44% | 12.89% | 16.53% | Beats 40% | 1,016 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.86% | 10.44% | 12.89% | 16.53% | Beats 40% | 1,016 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 70.51% | 52.61% | 69.38% | 83.50% | 52nd pctl | 812 / 1,683 | ||
| Loans / Assets | 61.95% | 44.71% | 59.18% | 70.72% | 57th pctl | 732 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||