State credit union · Corvallis, Oregon · NCUA charter #64059
Benton County Schools
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $70.1M
- Total assets
- 2,347
- Members
- 10.3%
- Net-worth ratio
Benton County Schools scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $70.1M; members 2,347; net-worth ratio 10.27%; health rank #287 of 4,374; healthier than 93rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#287 of 4,374 health · 2025Q4Benton County Schools · health 96/100 · $70.1M · 2025Q4
- CHARTER 96/100
- NCUSIF 10.3%
- CAMELS 0.03%
- HEALTH 0.59%
- NW $70.1M
- DELQ 2,347
- ROA #287/4,374
- ASSETS 167th Tfr
- MEM 64059
Call Report peers
Benton County Schools in the assets neighbourhood
Benton County Schools's $70.1M assets sit next to 167th Tfr ($70.1M) 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.
Benton County Schools 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
96 Top 7% higher than 93% 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
Benton County Schools - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #64059 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for Benton County Schools
- Largest favorable gap: Delinquency Rate at 0.03% vs peer 0.96% (-0.94 pp).
- Loan-to-Share Ratio trails the peer set - 53.70% here, 62.60% peer average (-8.90 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Oregon standing for Benton County Schools
- Health composite ranks #9 of 48 among scored Oregon credit unions.
- Assets rank #36 of 48 inside Oregon ($70.1M reported).
- Oregon membership ordinal: #42 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.
Benton County Schools: 2025Q4 → 2026Q1
Benton County Schools: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.0% from $70.1M (2025Q4) to $70.8M (2026Q1).
- Net-worth ratio shifted -0.02 pp (10.29% → 10.27%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 10.27%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 96/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 96.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 11.0 pts
Benton County Schools vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.27% | -3.35 pp |
| Delinquency Rate | 0.03% | -0.94 pp |
| Return on Assets | 0.59% | -0.07 pp |
| Member Growth | 5.86% | - |
| Loan-to-Share Ratio | 53.70% | -8.90 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Benton County Schools quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $70.8M | - |
| 2025Q4 | $70.1M | 2,347 |
| 2024Q4 | $67.7M | 2,217 |
| 2023Q4 | $65.2M | 2,220 |
Credit Union Details
- Charter Number
- 64059
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Oregon
- City
- Corvallis
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Benton County Schools, spread across 2 cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Corvallis, OR |
| Philomath Branch | Philomath, OR |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Oregon
Other federally-insured credit unions in Oregon, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Benton County Schools - kept outside Oregon; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($70.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (96/100 here).
Using this data
- Benton County Schools ranks #287 of 4,374 nationally on financial health and #9 of 48 in OR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Teamsters Council #37 is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Teamsters Council #37
- 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 Benton County Schools financially healthy?
Benton County Schools has a financial health score of 96/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #287 of 4,374; by total assets it ranks #2,138 of 4,374 nationally (same basis as /rankings/largest); and #36 of 48 within Oregon. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.27% and delinquency rate of 0.03%.
How does Benton County Schools compare to other credit unions?
Five weighted metrics from NCUA filings produce Benton County Schools's 96/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Benton County Schools?
Membership eligibility for Benton County Schools depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Benton County Schools directly for current membership requirements and application steps.
Is my money safe at Benton County Schools?
Federal credit unions like Benton County Schools 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. Benton County Schools's net worth ratio of 10.27% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Benton County Schools offer compared to banks?
Credit unions like Benton County Schools 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 Benton County Schools 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.