Corvallis, OR · Charter 64059
NCUA · 2 branches
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
26
Asset Quality
88
Profitability
20
Liquidity
51
Efficiency
25
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.
Corvallis, OR · Charter 64059
NCUA · 2 branches
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 | 0.59% | 0.61% | 0.55% | 0.56% | 0.61% | 0.63% | 0.34% | 0.36% | -20 bps | |
| Return on Equity | 6.10% | 6.13% | 5.45% | 5.64% | 6.10% | 6.10% | 3.28% | 3.39% | -225 bps | |
| Net Interest Margin | 2.28% | 2.35% | 2.36% | 2.37% | 2.43% | 2.50% | 2.46% | 2.55% | +19 bps | |
| Efficiency Ratio | 78.30% | 77.71% | 78.91% | 78.15% | 76.81% | 77.01% | 87.76% | 86.89% | +874 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.37% | 3.85% | 2.58% | 2.28% | 3.40% | 3.55% | 3.58% | -0.64% | -292 bps | |
| Loan Growth (YoY) | -2.77% | -1.85% | 1.17% | 4.89% | 7.59% | 5.35% | 3.71% | 0.58% | -431 bps | |
| Share Growth (YoY) | 0.61% | 3.56% | 2.14% | 1.84% | 3.16% | 3.29% | 3.38% | -1.23% | -307 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.03% | 0.00% | 0.11% | 0.10% | 0.02% | 0.03% | 0.65% | 0.06% | -3 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 | 9.75% | 10.01% | 10.05% | 9.99% | 10.05% | 10.29% | 10.27% | 10.58% | +59 bps | |
| Net Worth / Assets | 9.75% | 10.01% | 10.05% | 9.99% | 10.05% | 10.29% | 10.27% | 10.58% | +59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.48% | 52.65% | 53.30% | 53.40% | 53.69% | 53.70% | 53.47% | 54.38% | +98 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Corvallis, OR · Charter 64059 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.36%
Rank 1,255 of 1,683
Net Interest Margin
2.55%
Rank 1,609 of 1,683
Efficiency Ratio
86.90%
Rank 1,260 of 1,682
Equity / Assets
10.58%
Rank 1,240 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.36% | 0.35% | 0.74% | 1.18% | Beats 25% | 1,255 / 1,683 | ||
| Return on Equity | 3.38% | 2.67% | 5.89% | 8.74% | Beats 31% | 1,166 / 1,681 | ||
| Net Interest Margin | 2.55% | 3.31% | 3.82% | 4.32% | Beats 4% | 1,609 / 1,683 | ||
| Efficiency Ratio | 86.90% | 68.91% | 78.20% | 86.93% | Beats 25% | 1,260 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.06% | 0.26% | 0.65% | 1.29% | Beats 88% | 196 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.58% | 10.44% | 12.89% | 16.53% | Beats 26% | 1,240 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.58% | 10.44% | 12.89% | 16.53% | Beats 26% | 1,240 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 54.38% | 52.61% | 69.38% | 83.50% | 27th pctl | 1,226 / 1,683 | ||
| Loans / Assets | 48.47% | 44.71% | 59.18% | 70.72% | 31st pctl | 1,161 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||