Eugene, OR · Charter 65856
NCUA · 17 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
38
Asset Quality
11
Profitability
71
Liquidity
0
Efficiency
91
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.
Eugene, OR · Charter 65856
NCUA · 17 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 | 0.82% | 0.80% | 0.97% | 0.81% | 0.83% | 0.73% | 1.16% | 0.86% | +5 bps | |
| Return on Equity | 8.24% | 7.87% | 9.65% | 8.14% | 7.94% | 6.82% | 10.88% | 8.32% | +18 bps | |
| Net Interest Margin | 4.09% | 4.18% | 4.37% | 4.38% | 4.41% | 4.54% | 5.42% | 4.65% | +27 bps | |
| Efficiency Ratio | 59.92% | 59.13% | 59.83% | 57.38% | 58.53% | 61.72% | 53.99% | 58.66% | +128 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.03% | 2.10% | 4.86% | 8.02% | 2.72% | 0.62% | 1.01% | 1.78% | -624 bps | |
| Loan Growth (YoY) | -0.06% | 1.93% | 5.60% | 8.92% | -0.26% | -2.02% | 0.58% | 0.02% | -890 bps | |
| Share Growth (YoY) | 2.81% | 4.98% | 6.17% | 8.52% | 2.97% | 2.07% | -1.52% | -0.71% | -923 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.84% | 2.41% | 1.94% | 1.65% | 1.82% | 1.77% | 1.33% | 1.49% | -16 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 | 9.97% | 10.18% | 10.09% | 9.95% | 10.42% | 10.76% | 10.63% | 10.39% | +43 bps | |
| Net Worth / Assets | 9.97% | 10.18% | 10.09% | 9.95% | 10.42% | 10.76% | 10.63% | 10.39% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 108.59% | 108.32% | 107.92% | 109.29% | 105.19% | 103.98% | 110.23% | 110.10% | +81 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 98.87% | 0.00% | 0 bps | |
Eugene, OR · Charter 65856 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 17 branches
Q2 2026
Return on Assets
0.86%
Rank 195 of 435
Net Interest Margin
4.65%
Rank 8 of 435
Efficiency Ratio
58.66%
Rank 42 of 435
Equity / Assets
10.39%
Rank 270 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.86% | 0.55% | 0.81% | 1.14% | Beats 55% | 195 / 435 | ||
| Return on Equity | 8.32% | 5.12% | 7.41% | 9.70% | Beats 61% | 170 / 435 | ||
| Net Interest Margin | 4.65% | 3.01% | 3.39% | 3.75% | Beats 98% | 8 / 435 | ||
| Efficiency Ratio | 58.66% | 65.25% | 71.39% | 77.86% | Beats 91% | 42 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.49% | 0.45% | 0.69% | 1.05% | Beats 11% | 390 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.39% | 9.81% | 10.84% | 12.63% | Beats 38% | 270 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.39% | 9.81% | 10.84% | 12.63% | Beats 38% | 270 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 110.10% | 78.33% | 88.38% | 95.61% | 98th pctl | 9 / 435 | ||
| Loans / Assets | 88.68% | 67.69% | 74.58% | 80.80% | 97th pctl | 12 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||