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South Coast Ilwu

North Bend, OR · Charter 9376

NCUA · 1 branch

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

81

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

49

Q2 2024Q2 2026peer median (50)

Liquidity

85

Q2 2024Q2 2026peer median

Efficiency

28

Q2 2024Q2 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

South Coast Ilwu

North Bend, OR · Charter 9376

NCUA · 1 branch

Q2 2026

$18.5MAssets
$9.8MLoans
$15.1MShares
$3.4MNet Worth

Executive Summary

  • Earnings: ROA of 0.64%, down 92 bps year over year; NIM at 4.28%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 18.21%, up 121 bps from a year ago.
  • Funding: loans stand at 64.69% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.64%-92 bps YoY

Net Interest Margin (YTD, annualized)

4.28%-20 bps YoY

Efficiency Ratio (YTD, annualized)

85.72%+1,938 bps YoY

Net Worth / Assets

18.21%+121 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.36%1.79%1.70%1.57%1.64%1.20%0.27%0.64%-92 bps
Return on Equity8.22%10.36%10.03%9.20%9.38%6.58%1.54%3.53%-567 bps
Net Interest Margin4.86%4.82%4.68%4.48%4.53%4.64%4.28%4.28%-20 bps
Efficiency Ratio68.83%64.97%63.63%66.34%66.69%71.24%91.44%85.72%+1,938 bps
Growth
Asset Growth (YoY)-7.30%-4.11%-1.74%4.95%5.71%2.84%1.47%-1.72%-668 bps
Loan Growth (YoY)-2.15%-2.46%-1.93%0.70%2.38%1.41%2.93%2.12%+143 bps
Share Growth (YoY)-10.09%-6.84%-4.10%3.55%4.37%1.55%0.48%-3.14%-669 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.03%0.03%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.50%17.24%16.92%17.00%17.52%18.22%17.72%18.21%+121 bps
Net Worth / Assets16.50%17.24%16.92%17.00%17.52%18.22%17.72%18.21%+121 bps
Liquidity & Funding
Loans / Shares64.18%64.87%60.68%61.36%62.95%64.77%62.16%64.69%+334 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps

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

South Coast Ilwu

North Bend, OR · Charter 9376 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 1 branch

Q2 2026

$18.5MAssets
$9.8MLoans
$15.1MShares
$3.4MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets (rank 132 of 1682).
  • Widest gap: efficiency ratio trails 72% of credit unions under $1B in assets (rank 1205 of 1682).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.64%

Rank 968 of 1,683

Net Interest Margin

4.28%

Rank 445 of 1,683

Efficiency Ratio

85.65%

Rank 1,205 of 1,682

Equity / Assets

18.21%

Rank 320 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.64%0.35%0.74%1.18%Beats 42%968 / 1,683
Return on Equity3.50%2.67%5.89%8.74%Beats 32%1,151 / 1,681
Net Interest Margin4.28%3.31%3.82%4.32%Beats 74%445 / 1,683
Efficiency Ratio85.65%68.91%78.20%86.93%Beats 28%1,205 / 1,682
Asset Quality
Nonperforming Loans / Loans0.00%0.26%0.65%1.29%Beats 100%132 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio18.21%10.44%12.89%16.53%Beats 81%320 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets18.21%10.44%12.89%16.53%Beats 81%320 / 1,683
Liquidity & Funding
Loans / Deposits64.69%52.61%69.38%83.50%42nd pctl984 / 1,683
Loans / Assets52.78%44.71%59.18%70.72%39th pctl1,031 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution