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 | |