PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Benton County Schools

Corvallis, OR · Charter 64059

NCUA · 2 branches

Q2 2026

$69.4MAssets
$33.6MLoans
$61.9MShares
$7.3MNet 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 0.36%, down 20 bps year over year; NIM at 2.55%.
  • Asset quality: problem loans at 0.06% of loans (-3 bps YoY).
  • Capital: net worth / assets of 10.58%, up 59 bps from a year ago.
  • Funding: loans stand at 54.38% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.36%-20 bps YoY

Net Interest Margin (YTD, annualized)

2.55%+19 bps YoY

Efficiency Ratio (YTD, annualized)

86.89%+874 bps YoY

Net Worth / Assets

10.58%+59 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.56%0.61%0.63%0.34%0.36%-20 bps
Return on Equity5.64%6.10%6.10%3.28%3.39%-225 bps
Net Interest Margin2.37%2.43%2.50%2.46%2.55%+19 bps
Efficiency Ratio78.15%76.81%77.01%87.76%86.89%+874 bps
Growth
Asset Growth (YoY)2.28%3.40%3.55%3.58%-0.64%-292 bps
Loan Growth (YoY)4.89%7.59%5.35%3.71%0.58%-431 bps
Share Growth (YoY)1.84%3.16%3.29%3.38%-1.23%-307 bps
Asset Quality
Delinquent Loans / Loans0.10%0.02%0.03%0.65%0.06%-3 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 Capital9.99%10.05%10.29%10.27%10.58%+59 bps
Net Worth / Assets9.99%10.05%10.29%10.27%10.58%+59 bps
Liquidity & Funding
Loans / Shares53.40%53.69%53.70%53.47%54.38%+98 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps