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 | |