Durkee, OR · Charter 20951
NCUA · 1 branch
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 | 1.21% | 0.10% | 2.82% | 0.10% | 1.24% | 1.47% | 3.06% | 3.03% | +293 bps | |
| Return on Equity | 7.95% | 0.62% | 19.03% | 0.67% | 7.92% | 9.98% | 19.90% | 20.54% | +1,987 bps | |
| Net Interest Margin | 2.67% | 1.44% | 4.15% | 1.95% | 2.76% | 2.95% | 4.45% | 4.71% | +276 bps | |
| Efficiency Ratio | 55.59% | 93.18% | 32.61% | 95.05% | 55.63% | 50.85% | 31.62% | 36.32% | -5,873 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.06% | -3.65% | -0.60% | -4.86% | -2.61% | -0.67% | -2.58% | -0.27% | +459 bps | |
| Loan Growth (YoY) | 18.51% | 10.13% | 10.35% | -0.95% | -3.76% | -1.30% | -13.27% | -7.35% | -639 bps | |
| Share Growth (YoY) | -2.71% | -4.85% | -0.75% | -5.84% | -3.14% | -0.81% | -3.20% | -0.54% | +530 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.10% | 0.07% | 0.03% | 1.39% | 2.68% | 1.21% | 0.00% | 1.63% | +24 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 | 0.71% | 0.73% | 0.69% | 0.72% | 0.74% | 0.74% | 0.80% | 0.78% | +6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.20% | 16.39% | 14.83% | 14.61% | 15.65% | 14.70% | 15.36% | 14.75% | +14 bps | |
| Net Worth / Assets | 15.20% | 16.39% | 14.83% | 14.61% | 15.65% | 14.70% | 15.36% | 14.75% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 104.58% | 104.26% | 104.82% | 105.00% | 103.91% | 103.74% | 93.92% | 97.81% | -719 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |