Lebanon, OR · Charter 68739
NCUA · 4 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 | 0.57% | 0.58% | 0.60% | 0.52% | 0.50% | 0.48% | 0.43% | 0.47% | -5 bps | |
| Return on Equity | 4.83% | 4.97% | 5.16% | 4.45% | 4.23% | 3.95% | 3.34% | 3.66% | -79 bps | |
| Net Interest Margin | 5.91% | 5.72% | 5.07% | 4.99% | 5.01% | 5.10% | 5.07% | 5.05% | +6 bps | |
| Efficiency Ratio | 68.57% | 68.74% | 79.52% | 75.06% | 75.58% | 75.80% | 75.50% | 75.78% | +72 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | 4.17% | 4.42% | 5.37% | -0.35% | -6.10% | -6.60% | -1,102 bps | |
| Loan Growth (YoY) | n/a | n/a | -11.65% | -9.56% | -12.51% | -7.00% | -2.16% | -2.32% | +725 bps | |
| Share Growth (YoY) | n/a | n/a | 4.07% | 4.47% | 5.23% | -1.10% | -7.65% | -8.25% | -1,272 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.93% | 1.80% | 2.20% | 2.01% | 2.00% | 2.15% | 1.94% | 1.76% | -25 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 | 11.89% | 11.64% | 11.64% | 11.64% | 11.73% | 12.07% | 12.75% | 12.82% | +119 bps | |
| Net Worth / Assets | 11.89% | 11.64% | 11.64% | 11.64% | 11.73% | 12.07% | 12.75% | 12.82% | +119 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.26% | 80.67% | 74.24% | 75.05% | 73.38% | 75.86% | 78.66% | 79.91% | +485 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |