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 | |