Selco Community
Springfield, OR · Charter 63196 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 16 branches
Q2 2026
$3.0BAssets
$1.9BLoans
$2.6BShares
$358.7MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 84% of credit unions $1B-$10B in assets (rank 71 of 435).
- Widest gap: net interest margin trails 73% of credit unions $1B-$10B in assets (rank 318 of 435).
- Overall: at or above the peer median on 5 of 7 directional measures.
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 |