Springfield, OR · Charter 63476
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
90
Asset Quality
68
Profitability
32
Liquidity
59
Efficiency
38
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.
Springfield, OR · Charter 63476
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 | 0.68% | 0.64% | 0.68% | 0.68% | 0.68% | 0.67% | 0.66% | 0.64% | -4 bps | |
| Return on Equity | 3.10% | 2.90% | 3.03% | 3.01% | 3.01% | 2.87% | 2.93% | 2.91% | -9 bps | |
| Net Interest Margin | 3.25% | 3.23% | 3.35% | 3.35% | 3.36% | 3.47% | 3.39% | 3.35% | 0 bps | |
| Efficiency Ratio | 80.80% | 82.22% | 82.99% | 82.01% | 80.66% | 81.78% | 79.94% | 82.09% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.52% | 2.82% | -6.01% | -0.55% | 0.28% | -4.00% | 3.38% | 6.01% | +656 bps | |
| Loan Growth (YoY) | -3.75% | -4.14% | -6.09% | -7.12% | -4.92% | -4.79% | -3.98% | -5.35% | +177 bps | |
| Share Growth (YoY) | -0.30% | 2.50% | -8.71% | -1.78% | -0.57% | -6.24% | 3.41% | 6.65% | +844 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.07% | 0.01% | 0.02% | 0.18% | 0.17% | 0.19% | 0.28% | 0.36% | +18 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 | 22.01% | 21.92% | 22.49% | 22.51% | 22.59% | 23.51% | 22.38% | 21.85% | -66 bps | |
| Net Worth / Assets | 22.01% | 21.92% | 22.49% | 22.51% | 22.59% | 23.51% | 22.38% | 21.85% | -66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.77% | 89.20% | 90.32% | 88.70% | 87.75% | 90.58% | 83.87% | 78.72% | -998 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Springfield, OR · Charter 63476 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.64%
Rank 970 of 1,683
Net Interest Margin
3.35%
Rank 1,248 of 1,683
Efficiency Ratio
82.14%
Rank 1,042 of 1,682
Equity / Assets
21.85%
Rank 166 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.64% | 0.35% | 0.74% | 1.18% | Beats 42% | 970 / 1,683 | ||
| Return on Equity | 2.91% | 2.67% | 5.89% | 8.74% | Beats 27% | 1,225 / 1,681 | ||
| Net Interest Margin | 3.35% | 3.31% | 3.82% | 4.32% | Beats 26% | 1,248 / 1,683 | ||
| Efficiency Ratio | 82.14% | 68.91% | 78.20% | 86.93% | Beats 38% | 1,042 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.37% | 0.26% | 0.65% | 1.29% | Beats 68% | 537 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 21.85% | 10.44% | 12.89% | 16.53% | Beats 90% | 166 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 21.85% | 10.44% | 12.89% | 16.53% | Beats 90% | 166 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.72% | 52.61% | 69.38% | 83.50% | 67th pctl | 554 / 1,683 | ||
| Loans / Assets | 60.81% | 44.71% | 59.18% | 70.72% | 54th pctl | 778 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||