PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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