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 | |