Central Willamette
Albany, OR · Charter 62665 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 11 branches
Q2 2026
$617.6MAssets
$438.0MLoans
$525.4MShares
$88.9MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 66% of credit unions under $1B in assets (rank 571 of 1683).
- Widest gap: nonperforming loans / loans trails 68% of credit unions under $1B in assets (rank 1140 of 1682).
- Overall: at or above the peer median on 6 of 7 directional measures.
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 | 8-Qtr Trend | 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 |