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Point West

Portland, OR · Charter 63971

NCUA · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Portland-Vancouver-Hillsboro, OR-WA area3

Basis

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.

Peer group

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.

Peer standing

Capital

35

Q2 2024Q2 2026peer median (50)

Asset Quality

65

Q2 2024Q2 2026peer median (50)

Profitability

53

Q2 2024Q2 2026peer median (50)

Liquidity

82

Q2 2024Q2 2026peer median

Efficiency

30

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Point West

Portland, OR · Charter 63971

NCUA · 2 branches

Q2 2026

$97.5MAssets
$69.1MLoans
$83.6MShares
$12.3MNet 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 0.55%, down 7 bps year over year; NIM at 4.47%.
  • Asset quality: problem loans at 0.89% of loans (+10 bps YoY).
  • Capital: net worth / assets of 12.64%, up 63 bps from a year ago.
  • Funding: loans stand at 82.60% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.55%-7 bps YoY

Net Interest Margin (YTD, annualized)

4.47%+11 bps YoY

Efficiency Ratio (YTD, annualized)

90.02%+659 bps YoY

Net Worth / Assets

12.64%+63 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.62%0.59%0.16%0.76%0.55%-7 bps
Return on Equity5.18%4.84%1.26%6.22%4.38%-80 bps
Net Interest Margin4.36%4.36%4.55%4.27%4.47%+11 bps
Efficiency Ratio83.43%85.49%91.04%84.89%90.02%+659 bps
Growth
Asset Growth (YoY)-2.57%-5.39%-9.01%-8.92%-7.30%-473 bps
Loan Growth (YoY)-10.08%-1.56%-4.82%-3.88%-6.79%+328 bps
Share Growth (YoY)-2.42%-5.42%-8.93%-9.94%-7.90%-548 bps
Asset Quality
Delinquent Loans / Loans0.79%0.75%0.80%0.69%0.89%+10 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 Capital12.01%12.21%12.40%12.20%12.64%+63 bps
Net Worth / Assets12.01%12.21%12.40%12.20%12.64%+63 bps
Liquidity & Funding
Loans / Shares81.62%87.24%86.93%82.68%82.60%+98 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Point West

Portland, OR · Charter 63971 · Peer group: credit unions under $1B in assets in the Portland-Vancouver-Hillsboro, OR-WA area (n=20)

NCUA · 2 branches

Q2 2026

$97.5MAssets
$69.1MLoans
$83.6MShares
$12.3MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 70% of credit unions under $1B in assets in the Portland-Vancouver-Hillsboro, OR-WA area (rank 6 of 20).
  • Widest gap: efficiency ratio trails 70% of credit unions under $1B in assets in the Portland-Vancouver-Hillsboro, OR-WA area (rank 15 of 20).
  • Overall: at or above the peer median on 2 of 7 directional measures.

Return on Assets

0.55%

Rank 11 of 20

Net Interest Margin

4.47%

Rank 6 of 20

Efficiency Ratio

90.00%

Rank 15 of 20

Equity / Assets

12.64%

Rank 13 of 20

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.55%0.06%0.60%1.13%Beats 45%11 / 20
Return on Equity4.38%0.46%4.53%6.81%Beats 45%11 / 20
Net Interest Margin4.47%3.68%4.11%4.53%Beats 70%6 / 20
Efficiency Ratio90.00%73.06%81.99%96.42%Beats 30%15 / 20
Asset Quality
Nonperforming Loans / Loans0.89%0.78%1.02%2.15%Beats 65%8 / 20
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio12.64%10.29%14.61%16.23%Beats 35%13 / 20
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets12.64%10.29%14.61%16.23%Beats 35%13 / 20
Liquidity & Funding
Loans / Deposits82.60%71.61%80.41%86.01%60th pctl8 / 20
Loans / Assets70.83%60.98%70.81%74.91%55th pctl9 / 20
Brokered Deposits / Depositsn/aNot reported for this institution