PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 (quarter, annualized)

0.64%-92 bps YoY

Net Interest Margin (quarter, annualized)

4.28%-20 bps YoY

Efficiency Ratio (quarter, annualized)

85.72%+1,938 bps YoY

Net Worth / Assets

18.21%+121 bps YoY

Discrete quarter, annualized.

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