Springfield, OR · Charter 63476
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.68% | 0.68% | 0.67% | 0.66% | 0.64% | -4 bps | |
| Return on Equity | 3.01% | 3.01% | 2.87% | 2.93% | 2.91% | -9 bps | |
| Net Interest Margin | 3.35% | 3.36% | 3.47% | 3.39% | 3.35% | 0 bps | |
| Efficiency Ratio | 82.01% | 80.66% | 81.78% | 79.94% | 82.09% | +8 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.55% | 0.28% | -4.00% | 3.38% | 6.01% | +656 bps | |
| Loan Growth (YoY) | -7.12% | -4.92% | -4.79% | -3.98% | -5.35% | +177 bps | |
| Share Growth (YoY) | -1.78% | -0.57% | -6.24% | 3.41% | 6.65% | +844 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.51% | 22.59% | 23.51% | 22.38% | 21.85% | -66 bps | |
| Net Worth / Assets | 22.51% | 22.59% | 23.51% | 22.38% | 21.85% | -66 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |