Albany, OR · Charter 62665
NCUA · 11 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.51% | 0.50% | 0.68% | 0.60% | 0.55% | 0.70% | 1.03% | +34 bps | |
| Return on Equity | 4.06% | 3.68% | 3.67% | 4.89% | 4.32% | 3.95% | 4.94% | 7.13% | +225 bps | |
| Net Interest Margin | 3.50% | 3.61% | 3.94% | 4.06% | 4.05% | 4.07% | 4.02% | 4.01% | -5 bps | |
| Efficiency Ratio | 77.50% | 78.25% | 80.01% | 75.56% | 75.19% | 75.46% | 74.08% | 75.24% | -32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.07% | 14.62% | 11.01% | 6.43% | 2.26% | 3.00% | 1.37% | 2.28% | -416 bps | |
| Loan Growth (YoY) | 0.09% | 6.64% | 8.27% | 15.54% | 16.20% | 7.08% | 5.90% | -1.46% | -1,700 bps | |
| Share Growth (YoY) | 14.38% | 15.24% | 11.42% | 5.56% | 1.70% | 2.01% | 0.11% | 1.62% | -393 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.43% | 1.39% | 1.26% | 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 | 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 | 13.77% | 13.87% | 13.71% | 13.97% | 13.96% | 13.98% | 14.13% | 14.39% | +42 bps | |
| Net Worth / Assets | 13.77% | 13.87% | 13.71% | 13.97% | 13.96% | 13.98% | 14.13% | 14.39% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.29% | 81.16% | 79.63% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |