State credit union · Albany, Oregon · NCUA charter #62665
Central Willamette
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $610.8M
- Total assets
- 37,775
- Members
- 14.1%
- Net-worth ratio
Central Willamette scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $610.8M; members 37,775; net-worth ratio 14.13%; health rank #1,428 of 4,374; healthier than 65th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,428 of 4,374 health · 2025Q4Central Willamette · health 88/100 · $610.8M · 2025Q4
- BOOK 88/100
- CHARTER 14.1%
- NCUSIF 1.36%
- CAMELS 0.50%
- HEALTH $610.8M
- NW 37,775
- DELQ #1,428/4,374
- ROA Southpoint Financial
- ASSETS 62665
Call Report peers
Central Willamette in the assets neighbourhood
Central Willamette's $610.8M assets sit next to Southpoint Financial ($609.9M) 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.
Central Willamette 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
88 Top 35% higher than 65% 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
Central Willamette - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #62665 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where Central Willamette diverges from peer averages
- Strongest edge vs 749 Over $500M peers is Net Worth Ratio: +2.95 pp (14.13% vs 11.18%).
- Delinquency Rate trails the peer set - 1.36% here, 0.87% peer average (+0.48 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Central Willamette sits in Oregon
- Health composite ranks #18 of 48 among scored Oregon credit unions.
- Oregon assets place: #12 of 48.
- Oregon membership ordinal: #11 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.
Central Willamette Call Report trajectory
Central Willamette: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.5% from $610.8M (2025Q4) to $613.8M (2026Q1).
- Net-worth ratio shifted +0.15 pp (13.98% → 14.13%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 14.13% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.3 pts
- Return on Assets 14.9 pts
- Member Growth 11.0 pts
- Loan-to-Share Ratio 14.8 pts
Call Report ratios for Central Willamette
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.13% | +2.95 pp |
| Delinquency Rate | 1.36% | +0.48 pp |
| Return on Assets | 0.50% | -0.01 pp |
| Member Growth | 1.70% | - |
| Loan-to-Share Ratio | 85.19% | +1.29 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Central Willamette filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $613.8M | - |
| 2025Q4 | $610.8M | 37,775 |
| 2024Q4 | $593.1M | 37,142 |
| 2023Q4 | $517.4M | 35,276 |
Credit Union Details
- Charter Number
- 62665
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Oregon
- City
- Albany
- Data Quarter
- 2025Q4
Branch Locations (11)
The NCUA branch filing lists 11 physical offices for Central Willamette, spread across 7 cities.
| Office | City |
|---|---|
| WHQ / Admin Offices (Main Office) | Albany, OR |
| Waverly Branch | Albany, OR |
| Pacific Branch | Albany, OR |
| North Albany Branch | Albany, OR |
| Bend Branch | Bend, OR |
| Corvallis Branch | Corvallis, OR |
| Eugene Branch | Eugene, OR |
| Lebanon Branch | Lebanon, OR |
| Newport | Newport, OR |
| Salem Branch | Salem, OR |
| S Salem | Salem, 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.
Central Willamette nationwide neighbourhoods
Cross-state asset and health neighbours for Central Willamette - kept outside Oregon; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($610.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- Central Willamette ranks #1,428 of 4,374 nationally on financial health and #18 of 48 in OR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- EMBOLD is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with EMBOLD
- 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 Central Willamette financially healthy?
Yes/no aside, the number is 88/100 (Excellent) - Central Willamette's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,428 of 4,374; by total assets it ranks #676 of 4,374 nationally (same basis as /rankings/largest); and #12 of 48 within Oregon. Above 80 reads excellent, below 50 warrants closer monitoring; a 14.13% net worth ratio and 1.36% delinquency rate are the key drivers.
How does Central Willamette compare to other credit unions?
88/100 is Central Willamette's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Central Willamette?
Membership eligibility for Central Willamette depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Central Willamette directly for current membership requirements and application steps.
Is my money safe at Central Willamette?
Federal credit unions like Central Willamette 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. Central Willamette's net worth ratio of 14.13% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Central Willamette offer compared to banks?
Credit unions like Central Willamette 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 Central Willamette 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.