PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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