| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.0% | +3.9% | -4.0 pts |
| Share growth (YoY) | -1.0% | +3.3% | -4.3 pts |
| Loan growth (YoY) | -1.7% | +2.9% | -4.7 pts |
| ROA | 0.61% | 0.69% | -0.1 pts |
| ROE | 3.8% | 5.9% | -2.2 pts |
ROA ranks in the 43rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $341.7M | $283.5M | $208.0M | $55.0M | $520K | 0.61% | 4.17% | 2.34% | 18,157 |
| Q4 2025 | $339.5M | $281.2M | $211.1M | $54.5M | $3.7M | 1.10% | 4.43% | 1.82% | 18,335 |
| Q3 2025 | $338.3M | $280.8M | $211.7M | $54.0M | $3.2M | 1.26% | 4.45% | 1.22% | 18,348 |
| Q2 2025 | $339.7M | $283.5M | $209.6M | $53.3M | $2.5M | 1.45% | 4.39% | 1.05% | 18,471 |
| Q1 2025 | $341.8M | $286.4M | $211.7M | $52.7M | $1.9M | 2.26% | 4.24% | 0.80% | 18,569 |
| Q4 2024 | $341.2M | $288.1M | $216.1M | $50.8M | $2.5M | 0.74% | 3.99% | 1.02% | 18,697 |
| Q3 2024 | $343.2M | $290.0M | $221.5M | $50.1M | $1.9M | 0.75% | 3.95% | 0.55% | 18,922 |
| Q2 2024 | $344.2M | $292.3M | $227.1M | $49.4M | $1.2M | 0.72% | 3.85% |
| Ratio | Oregonians Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.61% | 0.69% | 43rd | |
Return on equity Annualized net income ÷ equity or net worth | 3.8% | 5.9% | 32nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.76% |
| 19,098 |
Loan mix (Q1 2026): real estate $121.7M · commercial $12.4M · consumer $69.3M · securities $59.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.1% | 78.7% | 59th |
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 | Oregonians Credit Union | 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% |
| Ratio | Oregonians Credit Union | Trend (8q) | 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 | Oregonians Credit Union | 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% |
| Ratio | Oregonians Credit Union | 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% |
| Ratio | Oregonians Credit Union | 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% |
The full ratio pack is part of CharterBench Pro.
7 branches in 4 counties across 1 state (+0 vs 2024). Biggest market: Multnomah, OR, ranked 24th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Multnomah, OR | 3 | $121.5M* | 0.30% | 24th |
| Clackamas, OR | 2 | $81.0M* | 0.66% | 19th |
| Crook, OR | 1 | $40.5M* | 8.26% | 6th |
| 1 more county with Pro → | ||||
Oregon: 48th with 0.20% · Portland-Vancouver-Hillsboro metro: 27th, 0.28% · Bend metro: 16th, 0.51% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 7 · 2023 7 · 2024 7 · 2025 7