Salem, OR · Charter 16113
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.43% | 0.48% | 0.50% | 0.53% | 0.65% | +22 bps | |
| Return on Equity | 3.71% | 4.08% | 4.28% | 4.49% | 5.49% | +177 bps | |
| Net Interest Margin | 3.81% | 3.80% | 3.77% | 3.67% | 3.70% | -11 bps | |
| Efficiency Ratio | 79.24% | 78.83% | 78.95% | 79.44% | 80.40% | +116 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.59% | 6.03% | 6.86% | 2.20% | 3.39% | -320 bps | |
| Loan Growth (YoY) | -0.26% | -1.67% | -2.39% | 0.84% | 1.71% | +197 bps | |
| Share Growth (YoY) | 1.82% | 1.60% | 2.70% | 1.99% | 3.21% | +140 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.65% | 11.73% | 11.76% | 11.73% | 11.86% | +21 bps | |
| Net Worth / Assets | 11.65% | 11.73% | 11.76% | 11.73% | 11.86% | +21 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |