Roseburg, OR · Charter 5652
NCUA · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |