Clackamas, OR · Charter 20516
NCUA · 3 branches
Q4 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2025, the quarter ended December 31, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Portland-Vancouver-Hillsboro, OR-WA area (n=21). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
10
Asset Quality
90
Profitability
2
Liquidity
23
Efficiency
5
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.
Clackamas, OR · Charter 20516
NCUA · 3 branches
Q4 2025
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 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.55% | 0.47% | 0.73% | 0.77% | -3.16% | -371 bps | |
| Return on Equity | 5.11% | 4.30% | 6.65% | 6.63% | -33.61% | -3,872 bps | |
| Net Interest Margin | 2.08% | 2.15% | 2.14% | 2.25% | 2.57% | +49 bps | |
| Efficiency Ratio | 78.55% | 80.18% | 72.92% | 73.07% | 187.30% | +10,875 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.31% | -14.28% | -13.04% | -3.97% | -14.46% | -2,477 bps | |
| Loan Growth (YoY) | -1.77% | -5.68% | -6.14% | -6.18% | -5.88% | -411 bps | |
| Share Growth (YoY) | 3.10% | -0.26% | 0.86% | -1.99% | -3.79% | -690 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.22% | 0.19% | 0.21% | 0.19% | 0.23% | +1 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 | 10.75% | 11.02% | 11.02% | 11.56% | 9.41% | -134 bps | |
| Net Worth / Assets | 10.75% | 11.02% | 11.02% | 11.56% | 9.41% | -134 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.06% | 55.00% | 52.63% | 55.41% | 54.84% | -122 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Clackamas, OR · Charter 20516 · Peer group: credit unions under $1B in assets in the Portland-Vancouver-Hillsboro, OR-WA area (n=21)
NCUA · 3 branches
Q4 2025
Return on Assets
-3.16%
Rank 21 of 21
Net Interest Margin
2.57%
Rank 20 of 21
Efficiency Ratio
187.34%
Rank 21 of 21
Equity / Assets
9.41%
Rank 19 of 21
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.16% | 0.16% | 0.53% | 1.00% | Beats 0% | 21 / 21 | |
| Return on Equity | -33.61% | 1.26% | 4.39% | 6.82% | Beats 0% | 21 / 21 | |
| Net Interest Margin | 2.57% | 3.50% | 4.12% | 4.43% | Beats 5% | 20 / 21 | |
| Efficiency Ratio | 187.34% | 72.58% | 80.08% | 92.52% | Beats 5% | 21 / 21 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.23% | 0.50% | 0.98% | 1.22% | Beats 90% | 3 / 21 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.41% | 10.13% | 12.81% | 15.77% | Beats 10% | 19 / 21 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.41% | 10.13% | 12.81% | 15.77% | Beats 10% | 19 / 21 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 54.84% | 72.32% | 80.45% | 86.43% | 14th pctl | 18 / 21 | |
| Loans / Assets | 46.64% | 62.19% | 67.19% | 76.18% | 14th pctl | 18 / 21 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||