PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bay Area

Oregon, OH · Charter 63375

NCUA · 1 branch

Q2 2026

$107.9MAssets
$50.1MLoans
$93.8MShares
$12.5MNet 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 0.69%, up 20 bps year over year; NIM at 3.62%.
  • Asset quality: problem loans at 1.21% of loans (+48 bps YoY).
  • Capital: net worth / assets of 11.60%, down 190 bps from a year ago.
  • Funding: loans stand at 53.43% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.69%+20 bps YoY

Net Interest Margin (YTD, annualized)

3.62%+40 bps YoY

Efficiency Ratio (YTD, annualized)

82.47%-536 bps YoY

Net Worth / Assets

11.60%-190 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.49%0.52%0.64%0.58%0.69%+20 bps
Return on Equity3.65%3.76%5.58%5.14%5.97%+231 bps
Net Interest Margin3.22%3.37%3.00%3.51%3.62%+40 bps
Efficiency Ratio87.82%86.22%80.76%89.09%82.47%-536 bps
Growth
Asset Growth (YoY)7.65%4.71%29.65%27.04%24.17%+1,651 bps
Loan Growth (YoY)-5.75%-3.67%19.59%18.13%17.24%+2,299 bps
Share Growth (YoY)8.08%4.78%30.71%28.00%24.43%+1,634 bps
Asset Quality
Delinquent Loans / Loans0.73%0.82%1.07%0.92%1.21%+48 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 Capital13.49%13.86%11.50%11.33%11.60%-190 bps
Net Worth / Assets13.49%13.86%11.50%11.33%11.60%-190 bps
Liquidity & Funding
Loans / Shares56.71%58.06%56.71%53.71%53.43%-327 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps