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Mid Oregon

Bend, OR · Charter 68748

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

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.

Peer group

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.

Peer standing

Capital

35

Q4 2025Q2 2026peer median (50)

Asset Quality

84

Q4 2025Q2 2026peer median (50)

Profitability

86

Q4 2025Q2 2026peer median (50)

Liquidity

0

Q4 2025Q2 2026peer median

Efficiency

86

Q4 2025Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Mid Oregon

Bend, OR · Charter 68748

Q2 2026

$917.4MAssets
$780.8MLoans
$810.5MShares
$103.9MNet 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 1.70%; NIM at 4.22%.
  • Asset quality: problem loans at 0.14% of loans.
  • Capital: net worth / assets of 11.33%.
  • Funding: loans stand at 96.33% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.70%

Net Interest Margin (YTD, annualized)

4.22%

Efficiency Ratio (YTD, annualized)

62.69%

Net Worth / Assets

11.33%

Year to date, annualized, through each quarter.

MetricQ4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.66%1.81%1.70%n/a
Return on Equity14.51%15.85%14.99%n/a
Net Interest Margin4.35%4.33%4.22%n/a
Efficiency Ratio62.80%62.96%62.69%n/a
Growth
Asset Growth (YoY)n/an/an/an/an/a
Loan Growth (YoY)n/an/an/an/an/a
Share Growth (YoY)n/an/an/an/an/a
Asset Quality
Delinquent Loans / Loans0.27%0.10%0.14%n/a
Net Charge-Offs / Loansn/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%n/a
Capital
Risk-Based Capital11.42%11.40%11.33%n/a
Net Worth / Assets11.42%11.40%11.33%n/a
Liquidity & Funding
Loans / Shares98.06%96.56%96.33%n/a
Liquid Assets / Assets0.00%0.00%0.00%n/a

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Mid Oregon

Bend, OR · Charter 68748 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

Q2 2026

$917.4MAssets
$780.8MLoans
$810.5MShares
$103.9MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 97% of credit unions under $1B in assets (rank 47 of 1681).
  • Widest gap: equity / assets trails 65% of credit unions under $1B in assets (rank 1096 of 1683).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

1.70%

Rank 167 of 1,683

Net Interest Margin

4.22%

Rank 490 of 1,683

Efficiency Ratio

62.69%

Rank 239 of 1,682

Equity / Assets

11.33%

Rank 1,096 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.70%0.35%0.74%1.18%Beats 90%167 / 1,683
Return on Equity15.00%2.67%5.89%8.74%Beats 97%47 / 1,681
Net Interest Margin4.22%3.31%3.82%4.32%Beats 71%490 / 1,683
Efficiency Ratio62.69%68.91%78.20%86.93%Beats 86%239 / 1,682
Asset Quality
Nonperforming Loans / Loans0.14%0.26%0.65%1.29%Beats 84%278 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.33%10.44%12.89%16.53%Beats 35%1,096 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets11.33%10.44%12.89%16.53%Beats 35%1,096 / 1,683
Liquidity & Funding
Loans / Deposits96.33%52.61%69.38%83.50%94th pctl94 / 1,683
Loans / Assets85.10%44.71%59.18%70.72%98th pctl41 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution