PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Point West

Portland, OR · Charter 63971

NCUA · 2 branches

Q2 2026

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

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.

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.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.82%0.77%0.20%0.62%0.59%0.16%0.76%0.55%-7 bps
Return on Equity7.46%6.86%1.80%5.18%4.84%1.26%6.22%4.38%-80 bps
Net Interest Margin4.41%4.39%4.04%4.36%4.36%4.55%4.27%4.47%+11 bps
Efficiency Ratio82.62%84.14%87.34%83.43%85.49%91.04%84.89%90.02%+659 bps
Growth
Asset Growth (YoY)-3.63%0.50%3.03%-2.57%-5.39%-9.01%-8.92%-7.30%-473 bps
Loan Growth (YoY)-4.35%-6.38%-10.27%-10.08%-1.56%-4.82%-3.88%-6.79%+328 bps
Share Growth (YoY)-3.84%1.35%3.77%-2.42%-5.42%-8.93%-9.94%-7.90%-548 bps
Asset Quality
Delinquent Loans / Loans0.50%0.80%0.96%0.79%0.75%0.80%0.69%0.89%+10 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.99%11.15%11.04%12.01%12.21%12.40%12.20%12.64%+63 bps
Net Worth / Assets10.99%11.15%11.04%12.01%12.21%12.40%12.20%12.64%+63 bps
Liquidity & Funding
Loans / Shares83.81%83.18%77.47%81.62%87.24%86.93%82.68%82.60%+98 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps