PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Oregonians

Milwaukie, OR · Charter 68669

NCUA · 7 branches

Q2 2026

$339.2MAssets
$225.1MLoans
$280.0MShares
$55.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.74%, down 71 bps year over year; NIM at 4.31%.
  • Asset quality: problem loans at 2.15% of loans (+110 bps YoY).
  • Capital: net worth / assets of 16.45%, up 77 bps from a year ago.
  • Funding: loans stand at 80.41% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.74%-71 bps YoY

Net Interest Margin (quarter, annualized)

4.31%-8 bps YoY

Efficiency Ratio (quarter, annualized)

80.66%+1,428 bps YoY

Net Worth / Assets

16.45%+77 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.45%1.26%1.10%0.61%0.74%-71 bps
Return on Equity9.26%7.92%6.82%3.78%4.53%-473 bps
Net Interest Margin4.39%4.45%4.43%4.17%4.31%-8 bps
Efficiency Ratio66.37%69.67%72.58%81.10%80.66%+1,428 bps
Growth
Asset Growth (YoY)-1.32%-1.42%-0.52%-0.04%-0.15%+116 bps
Loan Growth (YoY)-7.73%-4.43%-2.30%-1.73%7.43%+1,516 bps
Share Growth (YoY)-3.00%-3.19%-2.41%-1.03%-1.25%+175 bps
Asset Quality
Delinquent Loans / Loans1.05%1.22%1.82%2.34%2.15%+110 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.68%15.97%16.06%16.11%16.45%+77 bps
Net Worth / Assets15.68%15.97%16.06%16.11%16.45%+77 bps
Liquidity & Funding
Loans / Shares73.91%75.39%75.09%73.39%80.41%+650 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps