Oregon City, OR · Charter 65644
NCUA · 19 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
47
Asset Quality
7
Profitability
58
Liquidity
52
Efficiency
33
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.
Oregon City, OR · Charter 65644
NCUA · 19 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.11% | -0.29% | -0.05% | 0.61% | 0.72% | +83 bps | |
| Return on Equity | -1.01% | -2.74% | -0.47% | 5.73% | 6.70% | +771 bps | |
| Net Interest Margin | 4.28% | 4.35% | 4.42% | 4.22% | 4.18% | -10 bps | |
| Efficiency Ratio | 89.81% | 87.07% | 84.19% | 76.19% | 75.53% | -1,428 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 95.92% | 95.05% | -5.38% | -1.34% | 0.76% | -9,516 bps | |
| Loan Growth (YoY) | 152.11% | 145.74% | -0.12% | -0.24% | 3.69% | -14,842 bps | |
| Share Growth (YoY) | 113.46% | 114.44% | -4.98% | -2.17% | 0.57% | -11,289 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.00% | 2.16% | 2.46% | 1.19% | 1.72% | -28 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.51% | 10.43% | 10.76% | 10.62% | 10.77% | +26 bps | |
| Net Worth / Assets | 10.51% | 10.43% | 10.76% | 10.62% | 10.77% | +26 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.69% | 74.34% | 76.83% | 74.21% | 77.00% | +231 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Oregon City, OR · Charter 65644 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 19 branches
Q2 2026
Return on Assets
0.72%
Rank 260 of 435
Net Interest Margin
4.18%
Rank 30 of 435
Efficiency Ratio
75.53%
Rank 292 of 435
Equity / Assets
10.77%
Rank 231 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.72% | 0.55% | 0.81% | 1.14% | Beats 40% | 260 / 435 | |
| Return on Equity | 6.70% | 5.12% | 7.41% | 9.70% | Beats 42% | 254 / 435 | |
| Net Interest Margin | 4.18% | 3.01% | 3.39% | 3.75% | Beats 93% | 30 / 435 | |
| Efficiency Ratio | 75.53% | 65.25% | 71.39% | 77.86% | Beats 33% | 292 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.72% | 0.45% | 0.69% | 1.05% | Beats 7% | 407 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.77% | 9.81% | 10.84% | 12.63% | Beats 47% | 231 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.77% | 9.81% | 10.84% | 12.63% | Beats 47% | 231 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 77.00% | 78.33% | 88.38% | 95.61% | 23rd pctl | 337 / 435 | |
| Loans / Assets | 68.02% | 67.69% | 74.58% | 80.80% | 25th pctl | 325 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||