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
Call Report peers
Central Willamette in the assets neighbourhood
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
Central Willamette sits in the busiest band, 85-89, alongside 857 other credit unions.
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
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).
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.
- One place up in Oregon, Marion and Polk Schools (#17) scores 89/100, 1 point higher; one place down, United Trades (#19) ties at 88/100.
Central Willamette Call Report trajectory
Central Willamette: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.5% from $610.8M (2025Q4) to $613.8M (2026Q1).
- Net-worth ratio shifted +0.15 pp (13.98% → 14.13%).
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
Central Willamette gives up 12 points in total. Delinquency Rate costs the most, 7.7 of its 25; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Central Willamette financially healthy?
Central Willamette has a financial health score of 88/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,428 of 4,374 nationally on health and #18 of 48 in Oregon. Its net worth ratio is 14.13% and its delinquency rate 1.36%.
How does Central Willamette compare to other credit unions?
Central Willamette scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (14.13% vs 11.18%). Its widest shortfall is delinquency rate (1.36% vs 0.87%).
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?
Central Willamette is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.