Portland, OR · Charter 62745
NCUA · 59 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
92
Asset Quality
29
Profitability
80
Liquidity
64
Efficiency
69
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.
Portland, OR · Charter 62745
NCUA · 59 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 | 1.46% | 1.28% | 1.36% | 1.23% | 1.32% | 1.23% | 1.35% | 1.41% | +17 bps | |
| Return on Equity | 11.42% | 9.98% | 10.47% | 8.99% | 9.42% | 8.61% | 9.33% | 9.37% | +37 bps | |
| Net Interest Margin | 3.30% | 3.32% | 3.40% | 3.56% | 3.57% | 3.63% | 3.69% | 3.80% | +24 bps | |
| Efficiency Ratio | 62.35% | 65.41% | 63.96% | 64.19% | 63.92% | 66.75% | 66.63% | 66.85% | +266 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.14% | 11.13% | 7.36% | 1.45% | -0.57% | -1.71% | -2.39% | -0.31% | -176 bps | |
| Loan Growth (YoY) | 11.85% | 9.27% | 9.04% | 7.92% | 6.39% | 6.43% | 5.39% | 5.90% | -202 bps | |
| Share Growth (YoY) | 9.88% | 11.43% | 7.21% | 0.47% | -2.05% | -3.68% | -4.48% | -2.38% | -285 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.55% | 0.63% | 0.47% | 0.75% | 0.87% | 0.99% | 0.97% | 0.98% | +23 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 | 12.76% | 12.87% | 12.99% | 13.69% | 13.98% | 14.28% | 14.47% | 15.00% | +132 bps | |
| Net Worth / Assets | 12.76% | 12.87% | 12.99% | 13.69% | 13.98% | 14.28% | 14.47% | 15.00% | +132 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.79% | 69.70% | 69.50% | 73.73% | 74.71% | 77.03% | 76.67% | 79.99% | +625 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Portland, OR · Charter 62745 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 59 branches
Q2 2026
Return on Assets
1.41%
Rank 52 of 435
Net Interest Margin
3.80%
Rank 91 of 435
Efficiency Ratio
66.85%
Rank 136 of 435
Equity / Assets
15.00%
Rank 35 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.41% | 0.55% | 0.81% | 1.14% | Beats 88% | 52 / 435 | ||
| Return on Equity | 9.37% | 5.12% | 7.41% | 9.70% | Beats 72% | 120 / 435 | ||
| Net Interest Margin | 3.80% | 3.01% | 3.39% | 3.75% | Beats 79% | 91 / 435 | ||
| Efficiency Ratio | 66.85% | 65.25% | 71.39% | 77.86% | Beats 69% | 136 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.98% | 0.45% | 0.69% | 1.05% | Beats 29% | 311 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.00% | 9.81% | 10.84% | 12.63% | Beats 92% | 35 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.00% | 9.81% | 10.84% | 12.63% | Beats 92% | 35 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 79.99% | 78.33% | 88.38% | 95.61% | 29th pctl | 309 / 435 | ||
| Loans / Assets | 66.16% | 67.69% | 74.58% | 80.80% | 21st pctl | 342 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||