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 | |