Oregon, OH · Charter 63375
NCUA · 1 branch
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 Toledo, OH area (n=16). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
63
Asset Quality
37
Profitability
48
Liquidity
100
Efficiency
44
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.
Oregon, OH · Charter 63375
NCUA · 1 branch
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 | 0.66% | 0.66% | 0.47% | 0.49% | 0.52% | 0.64% | 0.58% | 0.69% | +20 bps | |
| Return on Equity | 4.73% | 4.69% | 3.49% | 3.65% | 3.76% | 5.58% | 5.14% | 5.97% | +231 bps | |
| Net Interest Margin | 3.17% | 3.21% | 3.11% | 3.22% | 3.37% | 3.00% | 3.51% | 3.62% | +40 bps | |
| Efficiency Ratio | 84.36% | 83.33% | 92.66% | 87.82% | 86.22% | 80.76% | 89.09% | 82.47% | -536 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.77% | 3.45% | 5.06% | 7.65% | 4.71% | 29.65% | 27.04% | 24.17% | +1,651 bps | |
| Loan Growth (YoY) | -5.29% | -7.09% | -6.03% | -5.75% | -3.67% | 19.59% | 18.13% | 17.24% | +2,299 bps | |
| Share Growth (YoY) | 1.62% | 3.29% | 4.75% | 8.08% | 4.78% | 30.71% | 28.00% | 24.43% | +1,634 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.81% | 0.77% | 0.48% | 0.73% | 0.82% | 1.07% | 0.92% | 1.21% | +48 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 | 13.99% | 14.13% | 13.58% | 13.49% | 13.86% | 11.50% | 11.33% | 11.60% | -190 bps | |
| Net Worth / Assets | 13.99% | 14.13% | 13.58% | 13.49% | 13.86% | 11.50% | 11.33% | 11.60% | -190 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.15% | 61.98% | 58.20% | 56.71% | 58.06% | 56.71% | 53.71% | 53.43% | -327 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Oregon, OH · Charter 63375 · Peer group: credit unions under $1B in assets in the Toledo, OH area (n=16)
NCUA · 1 branch
Q2 2026
Return on Assets
0.69%
Rank 9 of 16
Net Interest Margin
3.62%
Rank 7 of 16
Efficiency Ratio
82.45%
Rank 10 of 16
Equity / Assets
11.60%
Rank 6 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.69% | 0.42% | 0.79% | 1.25% | Beats 44% | 9 / 16 | ||
| Return on Equity | 5.96% | 4.46% | 6.21% | 8.07% | Beats 44% | 9 / 16 | ||
| Net Interest Margin | 3.62% | 3.36% | 3.61% | 4.01% | Beats 56% | 7 / 16 | ||
| Efficiency Ratio | 82.45% | 73.52% | 82.33% | 89.54% | Beats 44% | 10 / 16 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.21% | 0.27% | 0.89% | 1.78% | Beats 37% | 11 / 16 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.60% | 10.18% | 11.33% | 14.76% | Beats 63% | 6 / 16 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.60% | 10.18% | 11.33% | 14.76% | Beats 63% | 6 / 16 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 53.43% | 46.01% | 53.43% | 81.29% | 50th pctl | 8 / 16 | ||
| Loans / Assets | 46.48% | 40.62% | 46.48% | 59.08% | 50th pctl | 8 / 16 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||