Coquille, OR · Charter 68530
NCUA · 28 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 | 0.79% | 0.85% | 1.09% | 1.20% | 1.22% | 1.19% | 1.46% | 1.31% | +11 bps | |
| Return on Equity | 6.56% | 6.99% | 8.94% | 9.61% | 9.60% | 9.03% | 11.40% | 10.44% | +83 bps | |
| Net Interest Margin | 2.98% | 3.04% | 3.18% | 3.30% | 3.37% | 3.49% | 3.53% | 3.41% | +11 bps | |
| Efficiency Ratio | 76.49% | 75.70% | 71.42% | 69.80% | 69.52% | 70.84% | 66.80% | 68.12% | -168 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.36% | 0.01% | 0.34% | 3.05% | 3.77% | 2.14% | 5.72% | 9.97% | +691 bps | |
| Loan Growth (YoY) | 5.48% | 14.42% | 20.13% | 14.96% | 15.48% | 16.60% | 12.95% | 12.14% | -282 bps | |
| Share Growth (YoY) | -4.80% | -2.39% | -0.72% | 2.19% | 2.84% | 2.32% | 2.36% | 7.19% | +500 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.08% | 0.07% | 0.06% | 0.06% | 0.05% | 0.06% | 0.05% | 0.04% | -2 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 | 11.99% | 12.22% | 12.22% | 12.50% | 12.73% | 13.15% | 12.79% | 12.55% | +5 bps | |
| Net Worth / Assets | 11.99% | 12.22% | 12.22% | 12.50% | 12.73% | 13.15% | 12.79% | 12.55% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.43% | 76.03% | 77.11% | 77.38% | 76.84% | 86.64% | 85.09% | 80.96% | +358 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |