Portland, OR · Charter 63903
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 in the Portland-Vancouver-Hillsboro, OR-WA area (n=20). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
95
Asset Quality
10
Profitability
10
Liquidity
0
Efficiency
5
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.
Portland, OR · Charter 63903
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% | 0.63% | 0.03% | 0.06% | 0.06% | 0.09% | -0.10% | -0.12% | -18 bps | |
| Return on Equity | 2.62% | 2.46% | 0.10% | 0.23% | 0.24% | 0.37% | -0.41% | -0.47% | -70 bps | |
| Net Interest Margin | 2.20% | 2.12% | 2.06% | 2.00% | 2.00% | 2.12% | 2.51% | 2.48% | +47 bps | |
| Efficiency Ratio | 74.01% | 72.74% | 98.68% | 97.00% | 96.99% | 95.76% | 103.90% | 104.47% | +747 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.85% | 6.02% | 4.37% | 2.01% | 2.89% | 0.69% | -0.82% | 3.43% | +142 bps | |
| Loan Growth (YoY) | 9.82% | 13.26% | -0.87% | -6.48% | 15.86% | 14.59% | 36.71% | 55.43% | +6,191 bps | |
| Share Growth (YoY) | 4.62% | 7.30% | 5.33% | 2.38% | 3.61% | 0.44% | -1.61% | 3.53% | +115 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 11.15% | 6.89% | 0.21% | 1.09% | 0.81% | 2.09% | 1.46% | 2.72% | +163 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 | 6.92% | 6.81% | 2.05% | 3.17% | 3.72% | 3.51% | 3.12% | 3.06% | -11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 26.00% | 25.53% | 25.44% | 25.78% | 25.45% | 25.45% | 25.71% | 24.93% | -85 bps | |
| Net Worth / Assets | 26.00% | 25.53% | 25.44% | 25.78% | 25.45% | 25.45% | 25.71% | 24.93% | -85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 31.80% | 33.06% | 30.57% | 30.44% | 35.57% | 37.72% | 42.47% | 45.70% | +1,526 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Portland, OR · Charter 63903 · Peer group: credit unions under $1B in assets in the Portland-Vancouver-Hillsboro, OR-WA area (n=20)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.11%
Rank 17 of 20
Net Interest Margin
2.44%
Rank 20 of 20
Efficiency Ratio
106.25%
Rank 20 of 20
Equity / Assets
24.92%
Rank 1 of 20
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.11% | 0.06% | 0.60% | 1.13% | Beats 15% | 17 / 20 | ||
| Return on Equity | -0.44% | 0.46% | 4.53% | 6.81% | Beats 15% | 17 / 20 | ||
| Net Interest Margin | 2.44% | 3.68% | 4.11% | 4.53% | Beats 0% | 20 / 20 | ||
| Efficiency Ratio | 106.25% | 73.06% | 81.99% | 96.42% | Beats 5% | 20 / 20 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.73% | 0.78% | 1.02% | 2.15% | Beats 10% | 19 / 20 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 24.92% | 10.29% | 14.61% | 16.23% | Beats 95% | 1 / 20 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 24.92% | 10.29% | 14.61% | 16.23% | Beats 95% | 1 / 20 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 45.71% | 71.61% | 80.41% | 86.01% | 5th pctl | 19 / 20 | ||
| Loans / Assets | 33.81% | 60.98% | 70.81% | 74.91% | 5th pctl | 19 / 20 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||