PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Heritage Grove

Salem, OR · Charter 16113

NCUA · 1 branch

Q2 2026

$167.2MAssets
$103.6MLoans
$146.9MShares
$19.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.65%, up 22 bps year over year; NIM at 3.70%.
  • Asset quality: problem loans at 1.17% of loans (0 bps YoY).
  • Capital: net worth / assets of 11.86%, up 21 bps from a year ago.
  • Funding: loans stand at 70.51% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.65%+22 bps YoY

Net Interest Margin (YTD, annualized)

3.70%-11 bps YoY

Efficiency Ratio (YTD, annualized)

80.40%+116 bps YoY

Net Worth / Assets

11.86%+21 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.93%0.98%0.51%0.43%0.48%0.50%0.53%0.65%+22 bps
Return on Equity7.85%8.15%4.47%3.71%4.08%4.28%4.49%5.49%+177 bps
Net Interest Margin4.17%4.19%3.76%3.81%3.80%3.77%3.67%3.70%-11 bps
Efficiency Ratio69.84%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 / Loans1.16%1.23%1.17%1.16%1.34%1.40%1.19%1.17%0 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 Capital11.78%12.05%11.49%11.65%11.73%11.76%11.73%11.86%+21 bps
Net Worth / Assets11.78%12.05%11.49%11.65%11.73%11.76%11.73%11.86%+21 bps
Liquidity & Funding
Loans / Shares74.14%74.80%71.56%71.55%71.75%71.10%70.75%70.51%-104 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps