Medford, OR · Charter 68660
NCUA · 30 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
37
Asset Quality
30
Profitability
71
Liquidity
27
Efficiency
59
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.
Medford, OR · Charter 68660
NCUA · 30 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 | 0.61% | 0.67% | 0.94% | 1.02% | 1.11% | 0.94% | 1.08% | 0.95% | -6 bps | |
| Return on Equity | 6.44% | 6.92% | 9.66% | 10.23% | 11.00% | 9.25% | 10.54% | 9.19% | -105 bps | |
| Net Interest Margin | 3.37% | 3.49% | 3.71% | 3.84% | 3.91% | 3.58% | 3.86% | 3.86% | +2 bps | |
| Efficiency Ratio | 70.87% | 70.56% | 69.21% | 66.46% | 65.66% | 67.28% | 67.21% | 69.19% | +273 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.23% | 7.54% | 7.07% | 6.45% | 4.34% | 16.15% | 15.13% | 16.06% | +960 bps | |
| Loan Growth (YoY) | 9.50% | 9.35% | 9.17% | 5.49% | 3.94% | 16.81% | 18.72% | 20.84% | +1,535 bps | |
| Share Growth (YoY) | 7.04% | 7.35% | 5.64% | 4.67% | 3.83% | 14.70% | 14.02% | 14.73% | +1,006 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.73% | 0.95% | 0.77% | 0.79% | 0.87% | 0.86% | 0.76% | 0.95% | +17 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 | 9.46% | 9.73% | 9.69% | 9.93% | 10.10% | 10.21% | 10.28% | 10.37% | +44 bps | |
| Net Worth / Assets | 9.46% | 9.73% | 9.69% | 9.93% | 10.10% | 10.21% | 10.28% | 10.37% | +44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.27% | 68.76% | 67.42% | 67.55% | 68.34% | 70.02% | 70.20% | 71.14% | +359 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Medford, OR · Charter 68660 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 30 branches
Q2 2026
Return on Assets
0.95%
Rank 159 of 435
Net Interest Margin
3.86%
Rank 81 of 435
Efficiency Ratio
69.19%
Rank 180 of 435
Equity / Assets
10.37%
Rank 273 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.95% | 0.55% | 0.81% | 1.14% | Beats 63% | 159 / 435 | ||
| Return on Equity | 9.19% | 5.12% | 7.41% | 9.70% | Beats 70% | 130 / 435 | ||
| Net Interest Margin | 3.86% | 3.01% | 3.39% | 3.75% | Beats 81% | 81 / 435 | ||
| Efficiency Ratio | 69.19% | 65.25% | 71.39% | 77.86% | Beats 59% | 180 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.95% | 0.45% | 0.69% | 1.05% | Beats 30% | 305 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.37% | 9.81% | 10.84% | 12.63% | Beats 37% | 273 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.37% | 9.81% | 10.84% | 12.63% | Beats 37% | 273 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 71.14% | 78.33% | 88.38% | 95.61% | 15th pctl | 369 / 435 | ||
| Loans / Assets | 59.98% | 67.69% | 74.58% | 80.80% | 13th pctl | 377 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||