Salem, OR · Charter 64169
NCUA · 2 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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
49
Asset Quality
3
Profitability
36
Liquidity
73
Efficiency
72
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 64169
NCUA · 2 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 | 0.50% | 0.20% | 0.84% | 0.63% | 1.03% | 0.76% | 0.67% | 0.35% | -27 bps | |
| Return on Equity | 4.09% | 1.62% | 6.73% | 4.77% | 7.68% | 5.66% | 5.14% | 2.76% | -200 bps | |
| Net Interest Margin | 3.70% | 3.77% | 3.89% | 4.20% | 4.24% | 4.17% | 3.76% | 3.92% | -28 bps | |
| Efficiency Ratio | 73.11% | 74.67% | 69.22% | 65.93% | 63.23% | 65.89% | 67.91% | 70.38% | +445 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.80% | 6.13% | 2.43% | -1.81% | -4.63% | -3.86% | 1.07% | 7.37% | +917 bps | |
| Loan Growth (YoY) | -1.32% | -1.94% | -3.65% | -2.93% | -4.28% | -7.01% | -8.67% | -6.49% | -356 bps | |
| Share Growth (YoY) | 10.78% | 8.09% | 5.11% | -1.39% | -4.31% | -2.82% | 0.31% | 7.46% | +885 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.37% | 3.03% | 3.37% | 4.31% | 4.03% | 4.49% | 4.42% | 5.22% | +91 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 | 12.32% | 12.18% | 12.44% | 13.12% | 13.46% | 13.39% | 12.95% | 12.79% | -33 bps | |
| Net Worth / Assets | 12.32% | 12.18% | 12.44% | 13.12% | 13.46% | 13.39% | 12.95% | 12.79% | -33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.52% | 85.06% | 82.42% | 86.83% | 84.55% | 81.39% | 75.04% | 75.56% | -1,127 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 64169 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.35%
Rank 1,261 of 1,683
Net Interest Margin
3.92%
Rank 735 of 1,683
Efficiency Ratio
70.38%
Rank 470 of 1,682
Equity / Assets
12.79%
Rank 859 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.35% | 0.35% | 0.74% | 1.18% | Beats 25% | 1,261 / 1,683 | ||
| Return on Equity | 2.77% | 2.67% | 5.89% | 8.74% | Beats 26% | 1,243 / 1,681 | ||
| Net Interest Margin | 3.92% | 3.31% | 3.82% | 4.32% | Beats 56% | 735 / 1,683 | ||
| Efficiency Ratio | 70.38% | 68.91% | 78.20% | 86.93% | Beats 72% | 470 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 5.22% | 0.26% | 0.65% | 1.29% | Beats 3% | 1,627 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.79% | 10.44% | 12.89% | 16.53% | Beats 49% | 859 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.79% | 10.44% | 12.89% | 16.53% | Beats 49% | 859 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 75.56% | 52.61% | 69.38% | 83.50% | 61st pctl | 662 / 1,683 | ||
| Loans / Assets | 65.70% | 44.71% | 59.18% | 70.72% | 64th pctl | 612 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||