Roseburg, OR · Charter 5652
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
80
Asset Quality
90
Profitability
81
Liquidity
91
Efficiency
97
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.
Roseburg, OR · Charter 5652
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 | 1.92% | 2.01% | 2.14% | 2.35% | 2.36% | 2.35% | 2.36% | 2.38% | +2 bps | |
| Return on Equity | 12.67% | 12.74% | 13.52% | 14.49% | 14.15% | 13.70% | 13.58% | 13.38% | -111 bps | |
| Net Interest Margin | 3.20% | 3.29% | 3.48% | 3.60% | 3.64% | 3.69% | 3.77% | 3.80% | +20 bps | |
| Efficiency Ratio | 52.83% | 51.81% | 49.33% | 47.48% | 48.19% | 48.63% | 48.38% | 48.89% | +141 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.91% | 8.11% | 2.53% | 3.97% | 5.22% | 6.44% | 5.56% | 5.25% | +127 bps | |
| Loan Growth (YoY) | 5.45% | 6.11% | 8.78% | 10.70% | 9.45% | 8.23% | 5.94% | 4.48% | -622 bps | |
| Share Growth (YoY) | 6.64% | 6.83% | -0.07% | 1.37% | 2.97% | 4.00% | 3.69% | 3.61% | +224 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.03% | 0.06% | 0.02% | 0.08% | 0.13% | 0.14% | 0.06% | 0.04% | -4 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 | 15.12% | 15.74% | 15.83% | 16.23% | 16.67% | 17.13% | 17.37% | 17.75% | +153 bps | |
| Net Worth / Assets | 15.12% | 15.74% | 15.83% | 16.23% | 16.67% | 17.13% | 17.37% | 17.75% | +153 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.88% | 69.01% | 69.00% | 70.84% | 71.08% | 71.82% | 70.50% | 71.43% | +59 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Roseburg, OR · Charter 5652 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
2.38%
Rank 38 of 1,683
Net Interest Margin
3.80%
Rank 858 of 1,683
Efficiency Ratio
48.89%
Rank 56 of 1,682
Equity / Assets
17.75%
Rank 341 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.38% | 0.35% | 0.74% | 1.18% | Beats 98% | 38 / 1,683 | ||
| Return on Equity | 13.38% | 2.67% | 5.89% | 8.74% | Beats 95% | 80 / 1,681 | ||
| Net Interest Margin | 3.80% | 3.31% | 3.82% | 4.32% | Beats 49% | 858 / 1,683 | ||
| Efficiency Ratio | 48.89% | 68.91% | 78.20% | 86.93% | Beats 97% | 56 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.04% | 0.26% | 0.65% | 1.29% | Beats 90% | 171 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.75% | 10.44% | 12.89% | 16.53% | Beats 80% | 341 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.75% | 10.44% | 12.89% | 16.53% | Beats 80% | 341 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 71.43% | 52.61% | 69.38% | 83.50% | 54th pctl | 778 / 1,683 | ||
| Loans / Assets | 58.82% | 44.71% | 59.18% | 70.72% | 49th pctl | 856 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||