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Onpoint Community

Portland, OR · Charter 62745

NCUA · 59 branches

Q2 2026

$9.5BAssets
$6.3BLoans
$7.9BShares
$1.4BNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.41%, up 17 bps year over year; NIM at 3.80%.
  • Asset quality: problem loans at 0.98% of loans (+23 bps YoY).
  • Capital: net worth / assets of 15.00%, up 132 bps from a year ago.
  • Funding: loans stand at 79.99% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.41%+17 bps YoY

Net Interest Margin (quarter, annualized)

3.80%+24 bps YoY

Efficiency Ratio (quarter, annualized)

66.85%+266 bps YoY

Net Worth / Assets

15.00%+132 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.23%1.32%1.23%1.35%1.41%+17 bps
Return on Equity8.99%9.42%8.61%9.33%9.37%+37 bps
Net Interest Margin3.56%3.57%3.63%3.69%3.80%+24 bps
Efficiency Ratio64.19%63.92%66.75%66.63%66.85%+266 bps
Growth
Asset Growth (YoY)1.45%-0.57%-1.71%-2.39%-0.31%-176 bps
Loan Growth (YoY)7.92%6.39%6.43%5.39%5.90%-202 bps
Share Growth (YoY)0.47%-2.05%-3.68%-4.48%-2.38%-285 bps
Asset Quality
Delinquent Loans / Loans0.75%0.87%0.99%0.97%0.98%+23 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.69%13.98%14.28%14.47%15.00%+132 bps
Net Worth / Assets13.69%13.98%14.28%14.47%15.00%+132 bps
Liquidity & Funding
Loans / Shares73.73%74.71%77.03%76.67%79.99%+625 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps