Machinists - Boilermakers Federal Credit Union
Total assets
$3.3M
▼ -18.8% YoY
Shares & deposits
$2.9M
▼ -20.8% YoY
Loans
$2.9M
▼ -5.6% YoY
Members
466
▼ -8.6% YoY
ROA (annualized)
0.38%
peers 0.60%
ROE (annualized)
2.88%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -18.8% | +1.3% | -20.1 pts |
| Share growth (YoY) | -20.8% | +0.7% | -21.5 pts |
| Loan growth (YoY) | -5.6% | -2.4% | -3.3 pts |
| ROA | 0.38% | 0.60% | -0.2 pts |
| ROE | 2.9% | 4.1% | -1.2 pts |
ROA ranks in the 39th percentile of its peer group · Q1 2026
Profile
- Established
- 1961
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 2
- Address
- 25 Cornell Ave, Gladstone, OR, 97027
- NCUA charter #
- 14708
- RSSD ID
- 823384
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.3M | $2.9M | $2.9M | $441K | $3K | 0.38% | 6.16% | 5.34% | 466 |
| Q4 2025 | $3.8M | $3.4M | $3.0M | $437K | $17K | 0.45% | 5.97% | 2.86% | 481 |
| Q3 2025 | $4.0M | $3.6M | $3.1M | $430K | $9K | 0.31% | 5.64% | 0.48% | 490 |
| Q2 2025 | $4.0M | $3.6M | $3.1M | $426K | $6K | 0.29% | 5.59% | 0.74% | 496 |
| Q1 2025 | $4.1M | $3.7M | $3.1M | $422K | $2K | 0.17% | 5.38% | 1.43% | 510 |
| Q4 2024 | $4.1M | $3.7M | $3.2M | $420K | $-19K | -0.46% | 5.38% | 0.33% | 522 |
| Q3 2024 | $4.3M | $3.8M | $3.3M | $434K | $-5K | -0.17% | 5.21% | 0.06% | 539 |
| Q2 2024 | $4.3M | $3.9M | $3.4M | $432K | $-7K | -0.33% | 5.01% | 0.42% | 500 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.2M · securities $11K
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.38% | 0.60% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 2.9% | 4.1% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.16% | 3.83% | 97th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.5% | 81.5% | 78th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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