Bend, OR · Charter 68748
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
35
Asset Quality
84
Profitability
86
Liquidity
0
Efficiency
86
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.
Bend, OR · Charter 68748
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 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|
| Earnings | |||||
| Return on Assets | 1.66% | 1.81% | 1.70% | n/a | |
| Return on Equity | 14.51% | 15.85% | 14.99% | n/a | |
| Net Interest Margin | 4.35% | 4.33% | 4.22% | n/a | |
| Efficiency Ratio | 62.80% | 62.96% | 62.69% | n/a | |
| Growth | |||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||
| Delinquent Loans / Loans | 0.27% | 0.10% | 0.14% | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | n/a | |
| Capital | |||||
| Risk-Based Capital | 11.42% | 11.40% | 11.33% | n/a | |
| Net Worth / Assets | 11.42% | 11.40% | 11.33% | n/a | |
| Liquidity & Funding | |||||
| Loans / Shares | 98.06% | 96.56% | 96.33% | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | n/a | |
Bend, OR · Charter 68748 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
Q2 2026
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.70% | 0.35% | 0.74% | 1.18% | Beats 90% | 167 / 1,683 | ||
| Return on Equity | 15.00% | 2.67% | 5.89% | 8.74% | Beats 97% | 47 / 1,681 | ||
| Net Interest Margin | 4.22% | 3.31% | 3.82% | 4.32% | Beats 71% | 490 / 1,683 | ||
| Efficiency Ratio | 62.69% | 68.91% | 78.20% | 86.93% | Beats 86% | 239 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.14% | 0.26% | 0.65% | 1.29% | Beats 84% | 278 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.33% | 10.44% | 12.89% | 16.53% | Beats 35% | 1,096 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.33% | 10.44% | 12.89% | 16.53% | Beats 35% | 1,096 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 96.33% | 52.61% | 69.38% | 83.50% | 94th pctl | 94 / 1,683 | ||
| Loans / Assets | 85.10% | 44.71% | 59.18% | 70.72% | 98th pctl | 41 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||