Clatskanie, OR · Charter 17990
NCUA · 8 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.09% | 0.06% | 1.04% | 0.77% | 0.90% | 1.00% | 0.33% | 0.45% | -32 bps | |
| Return on Equity | 1.18% | 0.85% | 13.24% | 9.51% | 10.54% | 11.48% | 3.69% | 4.94% | -457 bps | |
| Net Interest Margin | 3.30% | 3.34% | 3.86% | 3.93% | 4.05% | 4.14% | 4.28% | 4.35% | +42 bps | |
| Efficiency Ratio | 89.49% | 89.98% | 75.89% | 78.68% | 77.72% | 76.10% | 83.77% | 82.00% | +332 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.11% | 0.21% | -1.43% | -3.30% | -4.55% | -4.72% | -4.67% | -4.15% | -85 bps | |
| Loan Growth (YoY) | 5.22% | -0.27% | -2.39% | -3.21% | -1.84% | -0.41% | 0.27% | -0.83% | +238 bps | |
| Share Growth (YoY) | 1.91% | 0.65% | -2.58% | -1.19% | -0.15% | -0.15% | 0.91% | -1.22% | -2 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.98% | 0.90% | 0.63% | 0.97% | 0.82% | 0.99% | 0.99% | 0.78% | -18 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.58% | 7.44% | 7.88% | 8.08% | 8.50% | 8.70% | 8.99% | 9.18% | +109 bps | |
| Net Worth / Assets | 7.58% | 7.44% | 7.88% | 8.08% | 8.50% | 8.70% | 8.99% | 9.18% | +109 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.40% | 86.66% | 86.60% | 85.67% | 83.95% | 86.43% | 86.05% | 86.01% | +34 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |