Oregon Community
Eugene, OR · Charter 65856 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 17 branches
Q2 2026
$3.7BAssets
$3.3BLoans
$3.0BShares
$384.7MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 98% of credit unions $1B-$10B in assets (rank 8 of 435).
- Widest gap: nonperforming loans / loans trails 89% of credit unions $1B-$10B in assets (rank 390 of 435).
- Overall: at or above the peer median on 4 of 7 directional measures.
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 | 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 |