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Wauna

Clatskanie, OR · Charter 17990

NCUA · 8 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Portland-Vancouver-Hillsboro, OR-WA area3

Basis

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.

Peer group

Credit unions under $1B in assets in the Portland-Vancouver-Hillsboro, OR-WA area (n=20). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

10

Q2 2024Q2 2026peer median (50)

Asset Quality

75

Q2 2024Q2 2026peer median (50)

Profitability

52

Q2 2024Q2 2026peer median (50)

Liquidity

58

Q2 2024Q2 2026peer median

Efficiency

50

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Wauna

Clatskanie, OR · Charter 17990

NCUA · 8 branches

Q2 2026

$398.2MAssets
$309.0MLoans
$359.3MShares
$36.5MNet 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 0.45%, down 32 bps year over year; NIM at 4.35%.
  • Asset quality: problem loans at 0.78% of loans (-18 bps YoY).
  • Capital: net worth / assets of 9.18%, up 109 bps from a year ago.
  • Funding: loans stand at 86.01% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.45%-32 bps YoY

Net Interest Margin (YTD, annualized)

4.35%+42 bps YoY

Efficiency Ratio (YTD, annualized)

82.00%+332 bps YoY

Net Worth / Assets

9.18%+109 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.77%0.90%1.00%0.33%0.45%-32 bps
Return on Equity9.51%10.54%11.48%3.69%4.94%-457 bps
Net Interest Margin3.93%4.05%4.14%4.28%4.35%+42 bps
Efficiency Ratio78.68%77.72%76.10%83.77%82.00%+332 bps
Growth
Asset Growth (YoY)-3.30%-4.55%-4.72%-4.67%-4.15%-85 bps
Loan Growth (YoY)-3.21%-1.84%-0.41%0.27%-0.83%+238 bps
Share Growth (YoY)-1.19%-0.15%-0.15%0.91%-1.22%-2 bps
Asset Quality
Delinquent Loans / Loans0.97%0.82%0.99%0.99%0.78%-18 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 Capital8.08%8.50%8.70%8.99%9.18%+109 bps
Net Worth / Assets8.08%8.50%8.70%8.99%9.18%+109 bps
Liquidity & Funding
Loans / Shares85.67%83.95%86.43%86.05%86.01%+34 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Wauna

Clatskanie, OR · Charter 17990 · Peer group: credit unions under $1B in assets in the Portland-Vancouver-Hillsboro, OR-WA area (n=20)

NCUA · 8 branches

Q2 2026

$398.2MAssets
$309.0MLoans
$359.3MShares
$36.5MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 75% of credit unions under $1B in assets in the Portland-Vancouver-Hillsboro, OR-WA area (rank 6 of 20).
  • Widest gap: equity / assets trails 90% of credit unions under $1B in assets in the Portland-Vancouver-Hillsboro, OR-WA area (rank 18 of 20).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.45%

Rank 12 of 20

Net Interest Margin

4.35%

Rank 8 of 20

Efficiency Ratio

81.99%

Rank 11 of 20

Equity / Assets

9.18%

Rank 18 of 20

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.45%0.06%0.60%1.13%Beats 40%12 / 20
Return on Equity4.94%0.46%4.53%6.81%Beats 55%9 / 20
Net Interest Margin4.35%3.68%4.11%4.53%Beats 60%8 / 20
Efficiency Ratio81.99%73.06%81.99%96.42%Beats 50%11 / 20
Asset Quality
Nonperforming Loans / Loans0.78%0.78%1.02%2.15%Beats 75%6 / 20
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio9.18%10.29%14.61%16.23%Beats 10%18 / 20
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets9.18%10.29%14.61%16.23%Beats 10%18 / 20
Liquidity & Funding
Loans / Deposits86.01%71.61%80.41%86.01%75th pctl5 / 20
Loans / Assets77.60%60.98%70.81%74.91%85th pctl3 / 20
Brokered Deposits / Depositsn/aNot reported for this institution