Salem, OR · Charter 64166
NCUA · 13 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
19
Asset Quality
16
Profitability
68
Liquidity
78
Efficiency
23
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.
Salem, OR · Charter 64166
NCUA · 13 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 | 1.10% | 1.02% | 0.97% | 0.93% | 1.02% | 0.92% | 1.16% | 0.97% | +4 bps | |
| Return on Equity | 10.23% | 9.28% | 8.91% | 8.55% | 9.25% | 8.34% | 12.27% | 10.21% | +166 bps | |
| Net Interest Margin | 3.45% | 3.58% | 3.64% | 3.63% | 3.65% | 3.70% | 3.64% | 3.57% | -6 bps | |
| Efficiency Ratio | 75.85% | 76.91% | 76.64% | 77.07% | 76.25% | 77.13% | 74.32% | 78.26% | +119 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.39% | 2.48% | 5.10% | 7.67% | 6.69% | 8.82% | 26.32% | 26.05% | +1,838 bps | |
| Loan Growth (YoY) | 8.21% | 8.57% | 9.01% | 8.71% | 6.74% | 5.74% | 16.63% | 14.39% | +568 bps | |
| Share Growth (YoY) | 6.47% | 7.67% | 6.93% | 8.00% | 6.86% | 9.03% | 29.21% | 28.59% | +2,060 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.49% | 0.57% | 0.46% | 0.51% | 0.61% | 1.09% | 1.20% | 1.32% | +81 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 | 10.76% | 11.03% | 10.84% | 10.86% | 11.03% | 11.06% | 9.45% | 9.48% | -138 bps | |
| Net Worth / Assets | 10.76% | 11.03% | 10.84% | 10.86% | 11.03% | 11.06% | 9.45% | 9.48% | -138 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.90% | 96.27% | 93.62% | 93.63% | 93.80% | 93.36% | 84.51% | 83.28% | -1,034 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Salem, OR · Charter 64166 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 13 branches
Q2 2026
Return on Assets
0.97%
Rank 151 of 435
Net Interest Margin
3.57%
Rank 164 of 435
Efficiency Ratio
78.26%
Rank 336 of 435
Equity / Assets
9.48%
Rank 351 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.97% | 0.55% | 0.81% | 1.14% | Beats 65% | 151 / 435 | ||
| Return on Equity | 10.21% | 5.12% | 7.41% | 9.70% | Beats 78% | 95 / 435 | ||
| Net Interest Margin | 3.57% | 3.01% | 3.39% | 3.75% | Beats 62% | 164 / 435 | ||
| Efficiency Ratio | 78.26% | 65.25% | 71.39% | 77.86% | Beats 23% | 336 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.32% | 0.45% | 0.69% | 1.05% | Beats 16% | 367 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.48% | 9.81% | 10.84% | 12.63% | Beats 19% | 351 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.48% | 9.81% | 10.84% | 12.63% | Beats 19% | 351 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 83.28% | 78.33% | 88.38% | 95.61% | 36th pctl | 278 / 435 | ||
| Loans / Assets | 73.91% | 67.69% | 74.58% | 80.80% | 47th pctl | 232 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||