Portland, OR · Charter 68742
NCUA · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
70
Asset Quality
10
Profitability
41
Liquidity
0
Efficiency
73
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Portland, OR · Charter 68742
NCUA · 3 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 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|
| Earnings | |||||||||
| Return on Assets | 1.01% | 0.96% | 0.94% | 0.92% | 0.93% | 0.89% | 0.88% | -7 bps | |
| Return on Equity | 6.83% | 6.54% | 6.37% | 6.21% | 6.15% | 5.79% | 5.69% | -68 bps | |
| Net Interest Margin | 3.24% | 3.03% | 3.10% | 3.13% | 3.14% | 3.16% | 3.07% | -4 bps | |
| Efficiency Ratio | 67.86% | 66.61% | 65.81% | 66.33% | 67.55% | 71.68% | 70.20% | +439 bps | |
| Growth | |||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 3.64% | 0.71% | 1.90% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 1.99% | -1.82% | -6.60% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 3.06% | -0.31% | 1.10% | n/a | |
| Asset Quality | |||||||||
| Delinquent Loans / Loans | 0.91% | 0.97% | 0.58% | 1.90% | 1.84% | 2.11% | 2.53% | +195 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||||
| Risk-Based Capital | 14.76% | 14.65% | 14.84% | 14.89% | 15.15% | 15.45% | 15.44% | +60 bps | |
| Net Worth / Assets | 14.76% | 14.65% | 14.84% | 14.89% | 15.15% | 15.45% | 15.44% | +60 bps | |
| Liquidity & Funding | |||||||||
| Loans / Shares | 38.37% | 37.24% | 38.16% | 38.85% | 37.98% | 36.68% | 35.26% | -291 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Portland, OR · Charter 68742 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.88%
Rank 707 of 1,683
Net Interest Margin
3.07%
Rank 1,412 of 1,683
Efficiency Ratio
70.20%
Rank 463 of 1,682
Equity / Assets
15.44%
Rank 507 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.88% | 0.35% | 0.74% | 1.18% | Beats 58% | 707 / 1,683 | ||
| Return on Equity | 5.69% | 2.67% | 5.89% | 8.74% | Beats 48% | 877 / 1,681 | ||
| Net Interest Margin | 3.07% | 3.31% | 3.82% | 4.32% | Beats 16% | 1,412 / 1,683 | ||
| Efficiency Ratio | 70.20% | 68.91% | 78.20% | 86.93% | Beats 73% | 463 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.53% | 0.26% | 0.65% | 1.29% | Beats 10% | 1,509 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.44% | 10.44% | 12.89% | 16.53% | Beats 70% | 507 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.44% | 10.44% | 12.89% | 16.53% | Beats 70% | 507 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 35.25% | 52.61% | 69.38% | 83.50% | 8th pctl | 1,556 / 1,683 | ||
| Loans / Assets | 29.70% | 44.71% | 59.18% | 70.72% | 7th pctl | 1,558 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||