Albany, OR · Charter 62665
NCUA · 11 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
64
Asset Quality
32
Profitability
63
Liquidity
38
Efficiency
59
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.
Albany, OR · Charter 62665
NCUA · 11 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.68% | 0.60% | 0.55% | 0.70% | 1.03% | +34 bps | |
| Return on Equity | 4.89% | 4.32% | 3.95% | 4.94% | 7.13% | +225 bps | |
| Net Interest Margin | 4.06% | 4.05% | 4.07% | 4.02% | 4.01% | -5 bps | |
| Efficiency Ratio | 75.56% | 75.19% | 75.46% | 74.08% | 75.24% | -32 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.43% | 2.26% | 3.00% | 1.37% | 2.28% | -416 bps | |
| Loan Growth (YoY) | 15.54% | 16.20% | 7.08% | 5.90% | -1.46% | -1,700 bps | |
| Share Growth (YoY) | 5.56% | 1.70% | 2.01% | 0.11% | 1.62% | -393 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.10% | 1.13% | 1.36% | 1.23% | 1.02% | -8 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.97% | 13.96% | 13.98% | 14.13% | 14.39% | +42 bps | |
| Net Worth / Assets | 13.97% | 13.96% | 13.98% | 14.13% | 14.39% | +42 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.97% | 87.17% | 85.19% | 84.23% | 83.36% | -261 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Albany, OR · Charter 62665 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 11 branches
Q2 2026
Return on Assets
1.03%
Rank 571 of 1,683
Net Interest Margin
4.01%
Rank 666 of 1,683
Efficiency Ratio
75.23%
Rank 685 of 1,682
Equity / Assets
14.39%
Rank 613 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.03% | 0.35% | 0.74% | 1.18% | Beats 66% | 571 / 1,683 | |
| Return on Equity | 7.13% | 2.67% | 5.89% | 8.74% | Beats 62% | 633 / 1,681 | |
| Net Interest Margin | 4.01% | 3.31% | 3.82% | 4.32% | Beats 60% | 666 / 1,683 | |
| Efficiency Ratio | 75.23% | 68.91% | 78.20% | 86.93% | Beats 59% | 685 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.02% | 0.26% | 0.65% | 1.29% | Beats 32% | 1,140 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 14.39% | 10.44% | 12.89% | 16.53% | Beats 64% | 613 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 14.39% | 10.44% | 12.89% | 16.53% | Beats 64% | 613 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 83.36% | 52.61% | 69.38% | 83.50% | 75th pctl | 426 / 1,683 | |
| Loans / Assets | 70.91% | 44.71% | 59.18% | 70.72% | 76th pctl | 412 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||