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Marion and Polk Schools

Salem, OR · Charter 64166

NCUA · 13 branches

Q2 2026

$1.9BAssets
$1.4BLoans
$1.6BShares
$175.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.97%, up 4 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 1.32% of loans (+81 bps YoY).
  • Capital: net worth / assets of 9.48%, down 138 bps from a year ago.
  • Funding: loans stand at 83.28% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.97%+4 bps YoY

Net Interest Margin (YTD, annualized)

3.57%-6 bps YoY

Efficiency Ratio (YTD, annualized)

78.26%+119 bps YoY

Net Worth / Assets

9.48%-138 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.93%1.02%0.92%1.16%0.97%+4 bps
Return on Equity8.55%9.25%8.34%12.27%10.21%+166 bps
Net Interest Margin3.63%3.65%3.70%3.64%3.57%-6 bps
Efficiency Ratio77.07%76.25%77.13%74.32%78.26%+119 bps
Growth
Asset Growth (YoY)7.67%6.69%8.82%26.32%26.05%+1,838 bps
Loan Growth (YoY)8.71%6.74%5.74%16.63%14.39%+568 bps
Share Growth (YoY)8.00%6.86%9.03%29.21%28.59%+2,060 bps
Asset Quality
Delinquent Loans / Loans0.51%0.61%1.09%1.20%1.32%+81 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.86%11.03%11.06%9.45%9.48%-138 bps
Net Worth / Assets10.86%11.03%11.06%9.45%9.48%-138 bps
Liquidity & Funding
Loans / Shares93.63%93.80%93.36%84.51%83.28%-1,034 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps