MID OREGON
Charter #68748 · Bend, OR · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.84% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.40% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.10% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 62.96% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 83rd percentile but its structural peers at the 39th — a 43-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | MID OREGON | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $877.74M | 83th pct | 39th pct |
| Members | 52,362 | 77th pct | 39th pct |
| Net worth ratio | 11.40% | 64th pct | 67th pct |
| Return on average assets | 1.84% | 97th pct | 95th pct |
| Net interest margin | 4.40% | 95th pct | 89th pct |
| Cost of funds | 1.84% | 75th pct | 51th pct |
| Loan-to-share | 96.56% | 93th pct | 75th pct |
| Delinquency 60+ days | 0.10% | 2th pct | 2th pct |
| Net charge-off ratio | 0.56% | 63th pct | 61th pct |
| Loan growth YoY | — | — | — |
| Share growth YoY | — | — | — |
| Efficiency ratio | 62.96% | 10th pct | 5th pct |
structural peer set hash: dc7ecbc99cfe15e1aed2ae937c3a32bc… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.