Clackamas, OR · Charter 64103
NCUA · 3 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 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.
Capital
25
Asset Quality
50
Profitability
33
Liquidity
74
Efficiency
20
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.
Clackamas, OR · Charter 64103
NCUA · 3 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 | -0.18% | -0.33% | -2.73% | -1.87% | -1.97% | -2.24% | -0.04% | -0.24% | +163 bps | |
| Return on Equity | -1.64% | -2.95% | -26.79% | -17.97% | -19.08% | -21.49% | -0.36% | -2.29% | +1,568 bps | |
| Net Interest Margin | 3.86% | 4.06% | 4.16% | 4.43% | 4.66% | 5.04% | 4.69% | 4.75% | +32 bps | |
| Efficiency Ratio | 97.34% | 98.33% | 106.79% | 103.83% | 102.30% | 99.14% | 95.80% | 98.39% | -544 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.72% | -5.31% | -4.65% | -6.94% | -9.77% | -12.49% | -12.02% | -10.69% | -375 bps | |
| Loan Growth (YoY) | -4.45% | -6.17% | 0.64% | 6.42% | 6.51% | 7.24% | -0.38% | -7.15% | -1,357 bps | |
| Share Growth (YoY) | -2.81% | -5.32% | -4.12% | -6.45% | -9.41% | -12.01% | -12.06% | -10.64% | -419 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.86% | 1.53% | 1.00% | 1.01% | 1.37% | 1.24% | 1.40% | 1.02% | +1 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 | 10.86% | 11.12% | 10.20% | 10.41% | 10.31% | 10.42% | 10.13% | 10.29% | -12 bps | |
| Net Worth / Assets | 10.86% | 11.12% | 10.20% | 10.41% | 10.31% | 10.42% | 10.13% | 10.29% | -12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.72% | 72.95% | 73.91% | 80.65% | 83.15% | 88.91% | 83.73% | 83.80% | +315 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Clackamas, OR · Charter 64103 · Peer group: credit unions under $1B in assets in the Portland-Vancouver-Hillsboro, OR-WA area (n=20)
NCUA · 3 branches
Q2 2026
Return on Assets
-0.24%
Rank 18 of 20
Net Interest Margin
4.75%
Rank 4 of 20
Efficiency Ratio
98.38%
Rank 17 of 20
Equity / Assets
10.29%
Rank 15 of 20
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.24% | 0.06% | 0.60% | 1.13% | Beats 10% | 18 / 20 | ||
| Return on Equity | -2.30% | 0.46% | 4.53% | 6.81% | Beats 10% | 18 / 20 | ||
| Net Interest Margin | 4.75% | 3.68% | 4.11% | 4.53% | Beats 80% | 4 / 20 | ||
| Efficiency Ratio | 98.38% | 73.06% | 81.99% | 96.42% | Beats 20% | 17 / 20 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.02% | 0.78% | 1.02% | 2.15% | Beats 50% | 11 / 20 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.29% | 10.29% | 14.61% | 16.23% | Beats 25% | 15 / 20 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.29% | 10.29% | 14.61% | 16.23% | Beats 25% | 15 / 20 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 83.80% | 71.61% | 80.41% | 86.01% | 65th pctl | 7 / 20 | ||
| Loans / Assets | 74.57% | 60.98% | 70.81% | 74.91% | 65th pctl | 7 / 20 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||