Oregon, OH · Charter 63375
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |