Inroads 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
$340.0M Assets
$254.4M Loans
$313.2M Shares
$27.6M Net Worth
Executive Summary Strongest standing: nonperforming loans / loans outperforms 40% of credit unions under $1B in assets in the Portland-Vancouver-Hillsboro, OR-WA area (rank 13 of 20). Widest gap: equity / assets trails 100% of credit unions under $1B in assets in the Portland-Vancouver-Hillsboro, OR-WA area (rank 20 of 20). Overall: at or above the peer median on 0 of 7 directional measures. 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
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Portland-Vancouver-Hillsboro, OR-WA area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure. Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11