PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Cascade Community

Roseburg, OR · Charter 5652

NCUA · 3 branches

Q2 2026

$465.1MAssets
$273.6MLoans
$383.0MShares
$82.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 2.38%, up 2 bps year over year; NIM at 3.80%.
  • Asset quality: problem loans at 0.04% of loans (-4 bps YoY).
  • Capital: net worth / assets of 17.75%, up 153 bps from a year ago.
  • Funding: loans stand at 71.43% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.38%+2 bps YoY

Net Interest Margin (YTD, annualized)

3.80%+20 bps YoY

Efficiency Ratio (YTD, annualized)

48.89%+141 bps YoY

Net Worth / Assets

17.75%+153 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.35%2.36%2.35%2.36%2.38%+2 bps
Return on Equity14.49%14.15%13.70%13.58%13.38%-111 bps
Net Interest Margin3.60%3.64%3.69%3.77%3.80%+20 bps
Efficiency Ratio47.48%48.19%48.63%48.38%48.89%+141 bps
Growth
Asset Growth (YoY)3.97%5.22%6.44%5.56%5.25%+127 bps
Loan Growth (YoY)10.70%9.45%8.23%5.94%4.48%-622 bps
Share Growth (YoY)1.37%2.97%4.00%3.69%3.61%+224 bps
Asset Quality
Delinquent Loans / Loans0.08%0.13%0.14%0.06%0.04%-4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.23%16.67%17.13%17.37%17.75%+153 bps
Net Worth / Assets16.23%16.67%17.13%17.37%17.75%+153 bps
Liquidity & Funding
Loans / Shares70.84%71.08%71.82%70.50%71.43%+59 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps