Heritage Grove
Salem, OR · Charter 16113 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$167.2MAssets
$103.6MLoans
$146.9MShares
$19.8MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 46% of credit unions under $1B in assets (rank 900 of 1681).
- Widest gap: nonperforming loans / loans trails 72% of credit unions under $1B in assets (rank 1211 of 1682).
- Overall: at or above the peer median on 0 of 7 directional measures.
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 |