Portland, OR · Charter 4878
NCUA · 3 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
15
Asset Quality
95
Profitability
53
Liquidity
68
Efficiency
65
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.
Portland, OR · Charter 4878
NCUA · 3 branches
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 | 0.32% | 0.31% | 0.26% | 0.49% | 0.41% | 0.53% | 0.37% | 0.64% | +15 bps | |
| Return on Equity | 3.37% | 3.27% | 2.73% | 5.21% | 4.40% | 5.53% | 3.89% | 6.54% | +134 bps | |
| Net Interest Margin | 3.19% | 3.15% | 3.27% | 3.39% | 3.45% | 3.55% | 3.70% | 3.78% | +39 bps | |
| Efficiency Ratio | 83.09% | 83.54% | 85.79% | 80.65% | 82.01% | 80.08% | 84.43% | 80.49% | -16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.59% | -1.99% | -1.99% | 3.49% | 4.68% | 2.10% | 3.39% | 1.66% | -183 bps | |
| Loan Growth (YoY) | 1.24% | -1.59% | 1.58% | 7.38% | 9.75% | 18.21% | 19.97% | 12.16% | +477 bps | |
| Share Growth (YoY) | 3.94% | 8.75% | 1.28% | 3.85% | 4.54% | 1.95% | 3.31% | 0.98% | -286 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.70% | 0.77% | 0.59% | 0.54% | 0.52% | 0.48% | 0.38% | 0.31% | -23 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.47% | 9.34% | 9.38% | 9.42% | 9.39% | 9.64% | 9.60% | 9.84% | +42 bps | |
| Net Worth / Assets | 9.47% | 9.34% | 9.38% | 9.42% | 9.39% | 9.64% | 9.60% | 9.84% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.62% | 71.14% | 73.26% | 76.25% | 77.29% | 82.49% | 85.07% | 84.69% | +844 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Portland, OR · Charter 4878 · Peer group: credit unions under $1B in assets in the Portland-Vancouver-Hillsboro, OR-WA area (n=20)
NCUA · 3 branches
Q2 2026
Return on Assets
0.64%
Rank 9 of 20
Net Interest Margin
3.78%
Rank 13 of 20
Efficiency Ratio
80.49%
Rank 8 of 20
Equity / Assets
9.84%
Rank 17 of 20
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.64% | 0.06% | 0.60% | 1.13% | Beats 55% | 9 / 20 | ||
| Return on Equity | 6.55% | 0.46% | 4.53% | 6.81% | Beats 70% | 6 / 20 | ||
| Net Interest Margin | 3.78% | 3.68% | 4.11% | 4.53% | Beats 35% | 13 / 20 | ||
| Efficiency Ratio | 80.49% | 73.06% | 81.99% | 96.42% | Beats 65% | 8 / 20 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.31% | 0.78% | 1.02% | 2.15% | Beats 95% | 2 / 20 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.84% | 10.29% | 14.61% | 16.23% | Beats 15% | 17 / 20 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.84% | 10.29% | 14.61% | 16.23% | Beats 15% | 17 / 20 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 84.69% | 71.61% | 80.41% | 86.01% | 70th pctl | 6 / 20 | ||
| Loans / Assets | 74.91% | 60.98% | 70.81% | 74.91% | 75th pctl | 5 / 20 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||