State credit union · Lebanon, Oregon · NCUA charter #68739
44 North
Health score 72/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $164.3M
- Total assets
- 10,069
- Members
- 12.8%
- Net-worth ratio
44 North scores 72/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $164.3M; members 10,069; net-worth ratio 12.75%; health rank #3,465 of 4,374; healthier than 20th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,465 of 4,374 health · 2025Q444 North · health 72/100 · $164.3M · 2025Q4
- RANK 72/100
- PHOTO 12.8%
- BOOK 2.15%
- CHARTER 0.58%
- NCUSIF $164.3M
- CAMELS 10,069
- HEALTH #3,465/4,374
- NW Space Age
- DELQ 68739
Call Report peers
44 North in the assets neighbourhood
44 North's $164.3M assets sit next to Space Age ($164.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
44 North vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
72 20th percentile higher than 20% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
44 North - Share Insurance Coverage
Charter #68739's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
44 North vs $100M–$500M peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +3.66 pp (75.86% vs 72.20%).
- Delinquency Rate trails the peer set - 2.15% here, 0.89% peer average (+1.25 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
44 North in Oregon
- Oregon health ordinal: #40 of 48.
- By total assets, 44 North is #23 of 48 in Oregon.
- Member book place in Oregon: #24 of 48.
In-state ordinals use the live credit_unions table for OR only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
44 North: 2025Q4 → 2026Q1
44 North: total assets by quarter
3 Call Report filings on this page's own vintage chain
- Assets moved -4.5% from $164.3M (2025Q4) to $156.9M (2026Q1).
- Net-worth ratio shifted +0.68 pp (12.07% → 12.75%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.75%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 72/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 72.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 11.6 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.4 pts
44 North health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.75% | +0.64 pp |
| Delinquency Rate | 2.15% | +1.25 pp |
| Return on Assets | 0.58% | -0.04 pp |
| Member Growth | -13.09% | - |
| Loan-to-Share Ratio | 75.86% | +3.66 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $156.9M | - |
| 2025Q4 | $164.3M | 10,069 |
| 2024Q4 | $164.9M | 11,586 |
Credit Union Details
- Charter Number
- 68739
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Oregon
- City
- Lebanon
- Data Quarter
- 2025Q4
Branch Locations (4)
The NCUA branch filing lists 4 physical offices for 44 North, spread across 3 cities.
| Office | City |
|---|---|
| Main Office - 485 S 2nd St (Main Office) | Lebanon, OR |
| Albany - 4129 Santiam Hwy SE | Albany, OR |
| Training Center | Lebanon, OR |
| Sweet Home - 1428 Main Street | Sweet Home, OR |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Oregon
A look at other Oregon credit unions, ranked by how closely their peer group and asset size match this one.
44 North nationwide neighbourhoods
44 North's nationwide photo peers by assets and by health score, excluding Oregon charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($164.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (72/100 here).
Using this data
- 44 North ranks #3,465 of 4,374 nationally on financial health and #40 of 48 in OR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Heritage Grove is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Heritage Grove
- Rates and health both vary by institution, not just by state -- see how Oregon credit unions compare overall before assuming this one is typical. Oregon state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is 44 North financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, 44 North carries a financial health score of 72/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,465 of 4,374; by total assets it ranks #1,424 of 4,374 nationally (same basis as /rankings/largest); and #23 of 48 within Oregon. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.75% net worth ratio and a 2.15% delinquency rate.
How does 44 North compare to other credit unions?
PlainCU's health composite puts 44 North at 72/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join 44 North?
Membership eligibility for 44 North depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact 44 North directly for current membership requirements and application steps.
Is my money safe at 44 North?
Federal credit unions like 44 North are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. 44 North's net worth ratio of 12.75% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does 44 North offer compared to banks?
Credit unions like 44 North are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact 44 North directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.