PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

O Bee

Lacey, WA · Charter 60059

NCUA · 7 branches

Q2 2026

$676.6MAssets
$603.2MLoans
$571.9MShares
$57.4MNet 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 0.60%, up 21 bps year over year; NIM at 4.51%.
  • Asset quality: problem loans at 0.96% of loans (+44 bps YoY).
  • Capital: net worth / assets of 8.48%, up 4 bps from a year ago.
  • Funding: loans stand at 105.47% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.60%+21 bps YoY

Net Interest Margin (quarter, annualized)

4.51%+33 bps YoY

Efficiency Ratio (quarter, annualized)

77.79%-41 bps YoY

Net Worth / Assets

8.48%+4 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.39%0.59%0.63%0.74%0.60%+21 bps
Return on Equity4.64%6.92%7.38%8.73%7.13%+249 bps
Net Interest Margin4.18%4.30%4.39%4.52%4.51%+33 bps
Efficiency Ratio78.20%75.63%75.54%75.27%77.79%-41 bps
Growth
Asset Growth (YoY)5.63%5.23%4.57%6.13%6.21%+58 bps
Loan Growth (YoY)10.71%8.20%10.26%9.10%5.51%-521 bps
Share Growth (YoY)6.35%8.49%7.60%9.38%7.83%+148 bps
Asset Quality
Delinquent Loans / Loans0.52%0.88%0.76%0.79%0.96%+44 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 Capital8.43%8.53%8.49%8.48%8.48%+4 bps
Net Worth / Assets8.43%8.53%8.49%8.48%8.48%+4 bps
Liquidity & Funding
Loans / Shares107.80%103.92%104.28%104.83%105.47%-232 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps