Clackamas, OR · Charter 20516
NCUA · 3 branches
Q4 2025
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | 0.44% | 0.52% | 0.55% | 0.47% | 0.73% | 0.77% | -3.16% | -371 bps | |
| Return on Equity | 4.69% | 4.93% | 5.01% | 5.11% | 4.30% | 6.65% | 6.63% | -33.61% | -3,872 bps | |
| Net Interest Margin | 1.75% | 1.76% | 2.02% | 2.08% | 2.15% | 2.14% | 2.25% | 2.57% | +49 bps | |
| Efficiency Ratio | 80.08% | 81.06% | 79.62% | 78.55% | 80.18% | 72.92% | 73.07% | 187.30% | +10,875 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 24.91% | 21.57% | 10.25% | 10.31% | -14.28% | -13.04% | -3.97% | -14.46% | -2,477 bps | |
| Loan Growth (YoY) | -0.13% | -0.29% | 0.47% | -1.77% | -5.68% | -6.14% | -6.18% | -5.88% | -411 bps | |
| Share Growth (YoY) | -5.37% | -4.14% | -1.38% | 3.10% | -0.26% | 0.86% | -1.99% | -3.79% | -690 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.15% | 0.16% | 0.17% | 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 | 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 | 8.97% | 9.01% | 10.40% | 10.75% | 11.02% | 11.02% | 11.56% | 9.41% | -134 bps | |
| Net Worth / Assets | 8.97% | 9.01% | 10.40% | 10.75% | 11.02% | 11.02% | 11.56% | 9.41% | -134 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.16% | 56.56% | 57.88% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |