PackageTrendsPeer
Letter portraitLegal landscape

Calcoe

Yakima, WA · Charter 2237

NCUA · 4 branches

Q1 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

Quarter: Q1 2026, the quarter ended March 31, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets (n=1,674 to 1,677). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

45

Q2 2024Q1 2026peer median (50)

Asset Quality

36

Q2 2024Q1 2026peer median (50)

Profitability

60

Q2 2024Q1 2026peer median (50)

Liquidity

37

Q2 2024Q1 2026peer median

Efficiency

54

Q2 2024Q1 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Calcoe

Yakima, WA · Charter 2237

NCUA · 4 branches

Q1 2026

$44.2MAssets
$32.2MLoans
$38.9MShares
$5.4MNet 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 0.68%, up 29 bps year over year; NIM at 4.45%.
  • Asset quality: problem loans at 0.83% of loans (+1 bps YoY).
  • Capital: net worth / assets of 12.20%, up 53 bps from a year ago.
  • Funding: loans stand at 82.76% of shares as of Q1 2026.

Financial Results

Return on Assets (YTD, annualized)

0.68%+29 bps YoY

Net Interest Margin (YTD, annualized)

4.45%+43 bps YoY

Efficiency Ratio (YTD, annualized)

77.64%-19 bps YoY

Net Worth / Assets

12.20%+53 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2025Q2 2025Q3 2025Q4 2025Q1 2026YoY ΔTrend
Earnings
Return on Assets0.39%0.87%0.52%0.62%0.68%+29 bps
Return on Equity3.36%7.08%4.24%5.06%5.61%+225 bps
Net Interest Margin4.02%4.25%4.30%4.37%4.45%+43 bps
Efficiency Ratio77.82%75.26%75.66%74.34%77.64%-19 bps
Growth
Asset Growth (YoY)2.71%0.71%-1.79%0.50%0.14%-257 bps
Loan Growth (YoY)-1.99%-2.52%-0.98%1.20%-0.04%+195 bps
Share Growth (YoY)1.93%-0.45%-2.86%0.23%-0.52%-245 bps
Asset Quality
Delinquent Loans / Loans0.82%1.10%1.00%1.68%0.83%+1 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 Capital11.67%12.24%12.14%12.21%12.20%+53 bps
Net Worth / Assets11.67%12.24%12.14%12.21%12.20%+53 bps
Liquidity & Funding
Loans / Shares82.36%84.08%85.39%86.10%82.76%+40 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Calcoe

Yakima, WA · Charter 2237 · Peer group: credit unions under $1B in assets (n=1,674-1,677)

NCUA · 4 branches

Q1 2026

$44.2MAssets
$32.2MLoans
$38.9MShares
$5.4MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 80% of credit unions under $1B in assets (rank 339 of 1676).
  • Widest gap: nonperforming loans / loans trails 64% of credit unions under $1B in assets (rank 1065 of 1675).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

0.69%

Rank 871 of 1,677

Net Interest Margin

4.45%

Rank 339 of 1,676

Efficiency Ratio

77.71%

Rank 778 of 1,674

Equity / Assets

12.20%

Rank 928 of 1,676

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.69%0.29%0.71%1.15%Beats 48%871 / 1,677
Return on Equity5.64%2.30%5.46%8.75%Beats 52%809 / 1,674
Net Interest Margin4.45%3.27%3.78%4.29%Beats 80%339 / 1,676
Efficiency Ratio77.71%69.04%78.86%87.73%Beats 54%778 / 1,674
Asset Quality
Nonperforming Loans / Loans0.83%0.23%0.59%1.15%Beats 36%1,065 / 1,675
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio12.20%10.32%12.68%16.26%Beats 45%928 / 1,677
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets12.20%10.32%12.68%16.26%Beats 45%928 / 1,676
Liquidity & Funding
Loans / Deposits82.76%52.64%68.65%82.42%75th pctl412 / 1,676
Loans / Assets72.81%44.39%58.63%70.08%80th pctl334 / 1,676
Brokered Deposits / Depositsn/aNot reported for this institution