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 | |