PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Selco Community

Springfield, OR · Charter 63196

NCUA · 16 branches

Q2 2026

$3.0BAssets
$1.9BLoans
$2.6BShares
$358.7MNet 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 0.95%, up 9 bps year over year; NIM at 3.05%.
  • Asset quality: problem loans at 0.37% of loans (-26 bps YoY).
  • Capital: net worth / assets of 11.93%, up 19 bps from a year ago.
  • Funding: loans stand at 73.48% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.95%+9 bps YoY

Net Interest Margin (YTD, annualized)

3.05%+6 bps YoY

Efficiency Ratio (YTD, annualized)

74.29%+334 bps YoY

Net Worth / Assets

11.93%+19 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.86%0.99%0.83%0.59%0.95%+9 bps
Return on Equity7.29%8.31%6.98%5.04%7.92%+63 bps
Net Interest Margin2.98%3.02%3.05%3.01%3.05%+6 bps
Efficiency Ratio70.95%68.08%70.03%78.50%74.29%+334 bps
Growth
Asset Growth (YoY)2.67%2.82%4.59%5.40%5.91%+324 bps
Loan Growth (YoY)-1.02%-0.47%0.36%0.99%2.00%+302 bps
Share Growth (YoY)1.27%1.80%3.32%4.90%5.62%+435 bps
Asset Quality
Delinquent Loans / Loans0.63%0.60%0.49%0.46%0.37%-26 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 Capital11.74%11.89%11.88%11.70%11.93%+19 bps
Net Worth / Assets11.74%11.89%11.88%11.70%11.93%+19 bps
Liquidity & Funding
Loans / Shares76.08%76.33%75.81%73.42%73.48%-261 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps