Marion and Polk Schools
Salem, OR · Charter 64166 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 13 branches
Q2 2026
$1.9BAssets
$1.4BLoans
$1.6BShares
$175.5MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 78% of credit unions $1B-$10B in assets (rank 95 of 435).
- Widest gap: nonperforming loans / loans trails 84% of credit unions $1B-$10B in assets (rank 367 of 435).
- Overall: at or above the peer median on 3 of 7 directional measures.
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 |