Federal credit union · PORTLAND, Oregon · NCUA charter #9292
Consolidated
Health score 92/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $693.3M
- Total assets
- 33,020
- Members
- 8.6%
- Net-worth ratio
Consolidated - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #9292: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Consolidated - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)88
- Asset quality (delinquency)100
- Earnings (ROA)70
- Member growth100
- Liquidity (loan-to-share)100
Weighted composite: 92/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
8.61% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.61% | 30% |
| Delinquency Rate | 0.22% | 25% |
| Return on Assets | 0.20% | 15% |
| Member Growth | 62.34% | 15% |
| Loan-to-Share Ratio | 80.45% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $693.3M | 33,020 |
| 2024Q4 | $510.2M | 20,340 |
| 2023Q4 | $478.9M | 21,000 |
Credit Union Details
- Charter Number
- 9292
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Oregon
- City
- PORTLAND
- Data Quarter
- 2025Q4
What This Data Says About Consolidated
Charter #9292, peer group Over $500M, a cohort of 749 similarly-sized institutions: that's Consolidated, a federal credit union in PORTLAND, Oregon with 33,020 members, $693.3M in total assets, and $464.0M in outstanding loans as of Q4 2025. The five-factor composite scores it 92/100 (Excellent), helped by a net worth ratio of 8.61% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Two more numbers round out the picture: a 0.22% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers - and a 80.45% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.20% on net income of $1.4M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 62.34%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Oregon
More federally-insured credit unions based in Oregon, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Consolidated financially healthy?
Yes/no aside, the number is 92/100 (Excellent) - Consolidated's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.61% net worth ratio and 0.22% delinquency rate are the key drivers.
How does Consolidated compare to other credit unions?
PlainCU's health composite puts Consolidated at 92/100, compared to a peer group average for Over $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 Consolidated?
Consolidated operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Consolidated directly for the exact boundaries and application steps.
Is my money safe at Consolidated?
Federal credit unions like Consolidated 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. Consolidated's net worth ratio of 8.61% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Consolidated offer compared to banks?
Credit unions like Consolidated 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 Consolidated directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.