Springfield, OR · Charter 63196
NCUA · 16 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
67
Asset Quality
84
Profitability
48
Liquidity
37
Efficiency
40
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.
Springfield, OR · Charter 63196
NCUA · 16 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 | 0.84% | 0.82% | 0.64% | 0.86% | 0.99% | 0.83% | 0.59% | 0.95% | +9 bps | |
| Return on Equity | 7.43% | 7.04% | 5.59% | 7.29% | 8.31% | 6.98% | 5.04% | 7.92% | +63 bps | |
| Net Interest Margin | 2.81% | 2.88% | 2.93% | 2.98% | 3.02% | 3.05% | 3.01% | 3.05% | +6 bps | |
| Efficiency Ratio | 71.31% | 71.99% | 75.78% | 70.95% | 68.08% | 70.03% | 78.50% | 74.29% | +334 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.77% | 1.64% | 2.15% | 2.67% | 2.82% | 4.59% | 5.40% | 5.91% | +324 bps | |
| Loan Growth (YoY) | 2.47% | 1.92% | 1.25% | -1.02% | -0.47% | 0.36% | 0.99% | 2.00% | +302 bps | |
| Share Growth (YoY) | -0.36% | 0.73% | 0.91% | 1.27% | 1.80% | 3.32% | 4.90% | 5.62% | +435 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 0.50% | 0.66% | 0.63% | 0.60% | 0.49% | 0.46% | 0.37% | -26 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 | 11.31% | 11.59% | 11.51% | 11.74% | 11.89% | 11.88% | 11.70% | 11.93% | +19 bps | |
| Net Worth / Assets | 11.31% | 11.59% | 11.51% | 11.74% | 11.89% | 11.88% | 11.70% | 11.93% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.07% | 78.04% | 76.26% | 76.08% | 76.33% | 75.81% | 73.42% | 73.48% | -261 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Springfield, OR · Charter 63196 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 16 branches
Q2 2026
Return on Assets
0.95%
Rank 161 of 435
Net Interest Margin
3.05%
Rank 318 of 435
Efficiency Ratio
74.29%
Rank 261 of 435
Equity / Assets
11.93%
Rank 143 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.95% | 0.55% | 0.81% | 1.14% | Beats 63% | 161 / 435 | ||
| Return on Equity | 7.92% | 5.12% | 7.41% | 9.70% | Beats 54% | 198 / 435 | ||
| Net Interest Margin | 3.05% | 3.01% | 3.39% | 3.75% | Beats 27% | 318 / 435 | ||
| Efficiency Ratio | 74.29% | 65.25% | 71.39% | 77.86% | Beats 40% | 261 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.37% | 0.45% | 0.69% | 1.05% | Beats 84% | 71 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.93% | 9.81% | 10.84% | 12.63% | Beats 67% | 143 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.93% | 9.81% | 10.84% | 12.63% | Beats 67% | 143 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 73.48% | 78.33% | 88.38% | 95.61% | 17th pctl | 359 / 435 | ||
| Loans / Assets | 64.69% | 67.69% | 74.58% | 80.80% | 19th pctl | 354 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||