Onpoint Community
Portland, OR · Charter 62745 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 59 branches
Q2 2026
$9.5BAssets
$6.3BLoans
$7.9BShares
$1.4BNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 92% of credit unions $1B-$10B in assets (rank 35 of 435).
- Widest gap: nonperforming loans / loans trails 71% of credit unions $1B-$10B in assets (rank 311 of 435).
- Overall: at or above the peer median on 6 of 7 directional measures.
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 |