Corvallis, OR · Charter 68656
NCUA · 15 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
65
Asset Quality
62
Profitability
79
Liquidity
84
Efficiency
85
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.
Corvallis, OR · Charter 68656
NCUA · 15 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 | 0.73% | 0.81% | 1.02% | 1.06% | 1.09% | 1.03% | 0.89% | 1.32% | +26 bps | |
| Return on Equity | 6.76% | 7.33% | 9.27% | 9.74% | 10.16% | 8.92% | 7.69% | 11.25% | +151 bps | |
| Net Interest Margin | 2.90% | 3.00% | 3.29% | 3.23% | 3.16% | 3.46% | 3.56% | 3.60% | +37 bps | |
| Efficiency Ratio | 60.15% | 60.19% | 62.57% | 60.30% | 59.76% | 61.79% | 66.47% | 60.66% | +36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.32% | 18.59% | 16.80% | 8.45% | 10.56% | 3.54% | 3.46% | 1.74% | -671 bps | |
| Loan Growth (YoY) | 12.13% | 12.33% | 10.05% | 18.61% | 20.90% | 20.78% | 19.69% | 13.28% | -533 bps | |
| Share Growth (YoY) | 7.34% | 6.95% | 4.74% | 8.60% | 11.19% | 13.62% | 14.15% | 9.41% | +81 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.66% | 0.57% | 0.48% | 0.48% | 0.49% | 0.70% | 0.63% | 0.58% | +10 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 | 10.82% | 11.04% | 11.01% | 10.89% | 10.76% | 11.61% | 11.54% | 11.75% | +86 bps | |
| Net Worth / Assets | 10.82% | 11.04% | 11.01% | 10.89% | 10.76% | 11.61% | 11.54% | 11.75% | +86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.66% | 77.97% | 77.01% | 81.64% | 82.26% | 82.88% | 80.76% | 84.53% | +289 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Corvallis, OR · Charter 68656 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 15 branches
Q2 2026
Return on Assets
1.32%
Rank 67 of 435
Net Interest Margin
3.60%
Rank 154 of 435
Efficiency Ratio
60.66%
Rank 66 of 435
Equity / Assets
11.75%
Rank 152 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.32% | 0.55% | 0.81% | 1.14% | Beats 85% | 67 / 435 | ||
| Return on Equity | 11.25% | 5.12% | 7.41% | 9.70% | Beats 86% | 61 / 435 | ||
| Net Interest Margin | 3.60% | 3.01% | 3.39% | 3.75% | Beats 65% | 154 / 435 | ||
| Efficiency Ratio | 60.66% | 65.25% | 71.39% | 77.86% | Beats 85% | 66 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.58% | 0.45% | 0.69% | 1.05% | Beats 62% | 167 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.75% | 9.81% | 10.84% | 12.63% | Beats 65% | 152 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.75% | 9.81% | 10.84% | 12.63% | Beats 65% | 152 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 84.53% | 78.33% | 88.38% | 95.61% | 39th pctl | 264 / 435 | ||
| Loans / Assets | 73.28% | 67.69% | 74.58% | 80.80% | 44th pctl | 243 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||