PackageTrendsPeer
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Unitus Community

Tigard, OR · Charter 63440

NCUA · 12 branches

Q2 2026

$1.8BAssets
$1.4BLoans
$1.6BShares
$178.4MNet 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 0.25%, up 4 bps year over year; NIM at 3.08%.
  • Asset quality: problem loans at 0.43% of loans (+3 bps YoY).
  • Capital: net worth / assets of 9.86%, down 19 bps from a year ago.
  • Funding: loans stand at 86.30% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.25%+4 bps YoY

Net Interest Margin (YTD, annualized)

3.08%+5 bps YoY

Efficiency Ratio (YTD, annualized)

86.15%+12 bps YoY

Net Worth / Assets

9.86%-19 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.21%0.23%0.33%0.13%0.25%+4 bps
Return on Equity2.08%2.25%3.24%1.36%2.55%+47 bps
Net Interest Margin3.03%3.10%3.10%2.98%3.08%+5 bps
Efficiency Ratio86.03%86.13%83.65%88.62%86.15%+12 bps
Growth
Asset Growth (YoY)-1.45%-0.47%0.97%4.13%5.61%+706 bps
Loan Growth (YoY)3.85%2.28%3.21%0.79%1.03%-283 bps
Share Growth (YoY)0.17%1.05%1.02%4.05%5.85%+568 bps
Asset Quality
Delinquent Loans / Loans0.39%0.53%0.60%0.40%0.43%+3 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 Capital10.05%10.12%10.11%9.78%9.86%-19 bps
Net Worth / Assets10.05%10.12%10.11%9.78%9.86%-19 bps
Liquidity & Funding
Loans / Shares90.42%90.89%90.71%84.37%86.30%-412 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps