| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | — | +4.7% | — |
| Share growth (YoY) | — | +4.2% | — |
| Loan growth (YoY) | — | +4.3% | — |
| ROA | 1.70% | 0.75% | +0.9 pts |
| ROE | 15.0% | 6.9% | +8.1 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $917.4M | $810.5M | $780.8M | $103.9M | $7.8M | 1.70% | 4.22% | 0.14% | 53,382 |
| Q1 2026 | $877.7M | $775.3M | $748.6M | $100.1M | $4.0M | 1.81% | 4.33% | 0.10% | 52,362 |
| Q4 2025 | $850.6M | $750.7M | $736.2M | $97.2M | $14.1M | 1.66% | 4.35% | 0.27% | 51,851 |
Loan mix (Q2 2026): real estate $310.7M · commercial $129.0M · consumer $253.3M · securities $10.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Mid Oregon Credit Union | Trend (3q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.70% | 0.75% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 15.0% | 6.9% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.22% | 3.54% | 90th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner |
Peer lists, growth filters, CSV export, CRM push.
| 62.7% |
| 77.1% |
11th |
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% |
| Ratio | Mid Oregon Credit Union | Trend (3q) | 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% |
| Ratio | Mid Oregon Credit Union | Trend (3q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Mid Oregon Credit Union | Trend (3q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Mid Oregon Credit Union | Trend (3q) | 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% |
| Ratio | Mid Oregon Credit Union | Trend (3q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
9 branches in 3 counties across 1 state. Biggest market: Deschutes, OR, ranked 5th with 8.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Deschutes, OR | 7 | $630.4M* | 8.39% | 5th |
| Crook, OR | 1 | $90.1M* | 17.50% | 3rd |
| Jefferson, OR | 1 | $90.1M* | 33.82% | 1st |
Oregon: 24th with 0.55% · Bend metro: 4th, 9.78% · * Deposits estimated (total shares spread across branches).