PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

44 North

Lebanon, OR · Charter 68739

NCUA · 4 branches

Q2 2026

$157.6MAssets
$108.7MLoans
$136.0MShares
$20.2MNet 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 0.47%, down 5 bps year over year; NIM at 5.05%.
  • Asset quality: problem loans at 1.76% of loans (-25 bps YoY).
  • Capital: net worth / assets of 12.82%, up 119 bps from a year ago.
  • Funding: loans stand at 79.91% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.47%-5 bps YoY

Net Interest Margin (YTD, annualized)

5.05%+6 bps YoY

Efficiency Ratio (YTD, annualized)

75.78%+72 bps YoY

Net Worth / Assets

12.82%+119 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.52%0.50%0.48%0.43%0.47%-5 bps
Return on Equity4.45%4.23%3.95%3.34%3.66%-79 bps
Net Interest Margin4.99%5.01%5.10%5.07%5.05%+6 bps
Efficiency Ratio75.06%75.58%75.80%75.50%75.78%+72 bps
Growth
Asset Growth (YoY)4.42%5.37%-0.35%-6.10%-6.60%-1,102 bps
Loan Growth (YoY)-9.56%-12.51%-7.00%-2.16%-2.32%+725 bps
Share Growth (YoY)4.47%5.23%-1.10%-7.65%-8.25%-1,272 bps
Asset Quality
Delinquent Loans / Loans2.01%2.00%2.15%1.94%1.76%-25 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 Capital11.64%11.73%12.07%12.75%12.82%+119 bps
Net Worth / Assets11.64%11.73%12.07%12.75%12.82%+119 bps
Liquidity & Funding
Loans / Shares75.05%73.38%75.86%78.66%79.91%+485 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps