Springfield, OR · Charter 63196
NCUA · 16 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.86% | 0.99% | 0.83% | 0.59% | 0.95% | +9 bps | |
| Return on Equity | 7.29% | 8.31% | 6.98% | 5.04% | 7.92% | +63 bps | |
| Net Interest Margin | 2.98% | 3.02% | 3.05% | 3.01% | 3.05% | +6 bps | |
| Efficiency Ratio | 70.95% | 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 / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.74% | 11.89% | 11.88% | 11.70% | 11.93% | +19 bps | |
| Net Worth / Assets | 11.74% | 11.89% | 11.88% | 11.70% | 11.93% | +19 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |