PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Teamsters Council #37

Portland, OR · Charter 68742

NCUA · 3 branches

Q2 2026

$76.1MAssets
$22.6MLoans
$64.1MShares
$11.7MNet 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 0.88%, down 7 bps year over year; NIM at 3.07%.
  • Asset quality: problem loans at 2.53% of loans (+195 bps YoY).
  • Capital: net worth / assets of 15.44%, up 60 bps from a year ago.
  • Funding: loans stand at 35.26% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.88%-7 bps YoY

Net Interest Margin (YTD, annualized)

3.07%-4 bps YoY

Efficiency Ratio (YTD, annualized)

70.20%+439 bps YoY

Net Worth / Assets

15.44%+60 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.94%0.92%0.93%0.89%0.88%-7 bps
Return on Equity6.37%6.21%6.15%5.79%5.69%-68 bps
Net Interest Margin3.10%3.13%3.14%3.16%3.07%-4 bps
Efficiency Ratio65.81%66.33%67.55%71.68%70.20%+439 bps
Growth
Asset Growth (YoY)n/an/a3.64%0.71%1.90%n/a
Loan Growth (YoY)n/an/a1.99%-1.82%-6.60%n/a
Share Growth (YoY)n/an/a3.06%-0.31%1.10%n/a
Asset Quality
Delinquent Loans / Loans0.58%1.90%1.84%2.11%2.53%+195 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 Capital14.84%14.89%15.15%15.45%15.44%+60 bps
Net Worth / Assets14.84%14.89%15.15%15.45%15.44%+60 bps
Liquidity & Funding
Loans / Shares38.16%38.85%37.98%36.68%35.26%-291 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps