44 North
Lebanon, OR · Charter 68739 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
$157.6MAssets
$108.7MLoans
$136.0MShares
$20.2MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 92% of credit unions under $1B in assets (rank 134 of 1683).
- Widest gap: nonperforming loans / loans trails 83% of credit unions under $1B in assets (rank 1401 of 1682).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.47%
Rank 1,167 of 1,683
Net Interest Margin
5.05%
Rank 134 of 1,683
Efficiency Ratio
75.78%
Rank 712 of 1,682
Equity / Assets
12.82%
Rank 855 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.47% | 0.35% | 0.74% | 1.18% | Beats 31% | 1,167 / 1,683 | | |
| Return on Equity | 3.66% | 2.67% | 5.89% | 8.74% | Beats 33% | 1,133 / 1,681 | | |
| Net Interest Margin | 5.05% | 3.31% | 3.82% | 4.32% | Beats 92% | 134 / 1,683 | | |
| Efficiency Ratio | 75.78% | 68.91% | 78.20% | 86.93% | Beats 58% | 712 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.76% | 0.26% | 0.65% | 1.29% | Beats 17% | 1,401 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.82% | 10.44% | 12.89% | 16.53% | Beats 49% | 855 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.82% | 10.44% | 12.89% | 16.53% | Beats 49% | 855 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 79.91% | 52.61% | 69.38% | 83.50% | 69th pctl | 517 / 1,683 | | |
| Loans / Assets | 68.94% | 44.71% | 59.18% | 70.72% | 71st pctl | 485 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |