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 | |