Portland, OR · Charter 63315
NCUA · 5 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 under $1B in assets in the Portland-Vancouver-Hillsboro, OR-WA area (n=20). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
85
Asset Quality
45
Profitability
48
Liquidity
0
Efficiency
70
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.
Portland, OR · Charter 63315
NCUA · 5 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 | 0.16% | 0.21% | 0.56% | 0.67% | 0.77% | 0.81% | 0.77% | 0.85% | +18 bps | |
| Return on Equity | 1.03% | 1.35% | 3.53% | 4.11% | 4.64% | 4.79% | 4.58% | 4.94% | +83 bps | |
| Net Interest Margin | 2.30% | 2.39% | 2.88% | 3.02% | 3.16% | 3.27% | 3.44% | 3.52% | +49 bps | |
| Efficiency Ratio | 93.41% | 91.51% | 81.76% | 79.45% | 77.89% | 77.70% | 79.85% | 77.87% | -157 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.04% | -3.41% | -3.47% | -2.99% | -2.64% | -2.01% | -0.86% | -0.16% | +283 bps | |
| Loan Growth (YoY) | -4.10% | -5.09% | -6.26% | -5.41% | -5.58% | -6.78% | -5.24% | -5.86% | -45 bps | |
| Share Growth (YoY) | -7.24% | -3.96% | -4.13% | -3.89% | -3.77% | -3.02% | -2.04% | -1.33% | +256 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.48% | 0.49% | 0.71% | 0.75% | 0.54% | 0.98% | 1.11% | 1.10% | +35 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 | 15.60% | 15.85% | 15.77% | 16.20% | 16.58% | 16.87% | 16.75% | 17.12% | +92 bps | |
| Net Worth / Assets | 15.60% | 15.85% | 15.77% | 16.20% | 16.58% | 16.87% | 16.75% | 17.12% | +92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 27.49% | 27.64% | 26.67% | 27.03% | 26.97% | 26.57% | 25.80% | 25.79% | -124 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Portland, OR · Charter 63315 · Peer group: credit unions under $1B in assets in the Portland-Vancouver-Hillsboro, OR-WA area (n=20)
NCUA · 5 branches
Q2 2026
Return on Assets
0.85%
Rank 7 of 20
Net Interest Margin
3.52%
Rank 16 of 20
Efficiency Ratio
77.88%
Rank 7 of 20
Equity / Assets
17.12%
Rank 3 of 20
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.85% | 0.06% | 0.60% | 1.13% | Beats 65% | 7 / 20 | ||
| Return on Equity | 4.94% | 0.46% | 4.53% | 6.81% | Beats 60% | 8 / 20 | ||
| Net Interest Margin | 3.52% | 3.68% | 4.11% | 4.53% | Beats 20% | 16 / 20 | ||
| Efficiency Ratio | 77.88% | 73.06% | 81.99% | 96.42% | Beats 70% | 7 / 20 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.10% | 0.78% | 1.02% | 2.15% | Beats 45% | 12 / 20 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.12% | 10.29% | 14.61% | 16.23% | Beats 85% | 3 / 20 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.12% | 10.29% | 14.61% | 16.23% | Beats 85% | 3 / 20 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 25.79% | 71.61% | 80.41% | 86.01% | 0th pctl | 20 / 20 | ||
| Loans / Assets | 21.20% | 60.98% | 70.81% | 74.91% | 0th pctl | 20 / 20 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||