Saint Helens, OR · Charter 2730
NCUA · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, 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=20). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
0
Asset Quality
40
Profitability
12
Liquidity
92
Efficiency
25
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.
Saint Helens, OR · Charter 2730
NCUA · 5 branches
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.34% | -0.32% | -0.23% | -0.60% | -0.44% | -10 bps | |
| Return on Equity | -3.98% | -3.80% | -2.62% | -7.19% | -5.37% | -139 bps | |
| Net Interest Margin | 3.71% | 3.76% | 3.78% | 3.72% | 3.68% | -4 bps | |
| Efficiency Ratio | 100.20% | 97.72% | 96.18% | 93.77% | 96.42% | -377 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.99% | -10.75% | -8.32% | -4.38% | 2.04% | +1,003 bps | |
| Loan Growth (YoY) | -4.85% | -6.01% | -5.51% | -4.90% | -1.86% | +300 bps | |
| Share Growth (YoY) | -2.55% | -6.51% | -3.54% | 1.01% | 4.92% | +747 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.98% | 1.19% | 1.17% | 1.10% | 1.15% | -83 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 | 8.56% | 8.54% | 8.60% | 8.32% | 8.12% | -44 bps | |
| Net Worth / Assets | 8.56% | 8.54% | 8.60% | 8.32% | 8.12% | -44 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.83% | 84.94% | 84.42% | 81.58% | 81.22% | -561 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Saint Helens, OR · Charter 2730 · Peer group: credit unions under $1B in assets in the Portland-Vancouver-Hillsboro, OR-WA area (n=20)
NCUA · 5 branches
Q2 2026
Return on Assets
-0.44%
Rank 19 of 20
Net Interest Margin
3.68%
Rank 15 of 20
Efficiency Ratio
96.42%
Rank 16 of 20
Equity / Assets
8.12%
Rank 20 of 20
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.44% | 0.06% | 0.60% | 1.13% | Beats 5% | 19 / 20 | |
| Return on Equity | -5.37% | 0.46% | 4.53% | 6.81% | Beats 5% | 19 / 20 | |
| Net Interest Margin | 3.68% | 3.68% | 4.11% | 4.53% | Beats 25% | 15 / 20 | |
| Efficiency Ratio | 96.42% | 73.06% | 81.99% | 96.42% | Beats 25% | 16 / 20 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.15% | 0.78% | 1.02% | 2.15% | Beats 40% | 13 / 20 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.12% | 10.29% | 14.61% | 16.23% | Beats 0% | 20 / 20 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.12% | 10.29% | 14.61% | 16.23% | Beats 0% | 20 / 20 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 81.22% | 71.61% | 80.41% | 86.01% | 55th pctl | 9 / 20 | |
| Loans / Assets | 74.81% | 60.98% | 70.81% | 74.91% | 70th pctl | 6 / 20 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||