Federal credit union · Milwaukie, Oregon · NCUA charter #8317
Cutting Edge
Health score 66/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 66
- Health / 100
- $50.7M
- Total assets
- 3,802
- Members
- 9.6%
- Net-worth ratio
Cutting Edge scores 66/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $50.7M; members 3,802; net-worth ratio 9.63%; health rank #3,832 of 4,374; healthier than 12th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,832 of 4,374 health · 2025Q4Cutting Edge · health 66/100 · $50.7M · 2025Q4
Call Report peers
Cutting Edge in the assets neighbourhood
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Cutting Edge vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Cutting Edge sits in 65-69 with 275 others.
66 12th percentile higher than 12% 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
Cutting Edge vs $50M–$100M peers
- Largest lag: Loan-to-Share Ratio at 42.95% vs peer 62.60% (-19.65 pp).
Where Cutting Edge sits in Oregon
- In Oregon, health place is #44 of 48 on the same NCUA-ratio sort used nationally.
- By total assets, Cutting Edge is #38 of 48 in Oregon.
- Member book place in Oregon: #36 of 48.
- One place up in Oregon, FORRIT (#43) scores 67/100, 1 point higher; one place down, VALLEY (#45) scores 65/100, 1 point lower.
Cutting Edge: 2025Q4 → 2026Q1
Cutting Edge: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.1% from $50.7M (2025Q4) to $51.8M (2026Q1).
- Net-worth ratio shifted -0.15 pp (9.78% → 9.63%).
At 9.63%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 66/100 score is built
Cutting Edge gives up 34 points in total. Return on Assets costs the most, 15 of its 15; Net Worth Ratio loses the least, 0.9.
- Net Worth Ratio 29.1 pts
- Delinquency Rate 19.6 pts
- Return on Assets 0.0 pts
- Member Growth 7.0 pts
- Loan-to-Share Ratio 10.3 pts
Cutting Edge vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.63% | -3.99 pp |
| Delinquency Rate | 1.06% | +0.09 pp |
| Return on Assets | -1.86% | -2.52 pp |
| Member Growth | -1.09% | - |
| Loan-to-Share Ratio | 42.95% | -19.65 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Cutting Edge filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $51.8M | - |
| 2025Q4 | $50.7M | 3,802 |
| 2024Q4 | $56.5M | 3,844 |
| 2023Q4 | $54.3M | 3,908 |
Credit Union Details
- Charter Number
- 8317
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Oregon
- City
- Milwaukie
- Data Quarter
- 2025Q4
Branch Locations (2)
Cutting Edge operates 2 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Milwaukie (Main Office) | Milwaukie, OR |
| Lewiston | Lewiston, ID |
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.
Cutting Edge nationwide neighbourhoods
Using this data
- Cutting Edge ranks #3,832 of 4,374 nationally on financial health and #44 of 48 in OR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- United Trades is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with United Trades
Frequently Asked Questions
Is Cutting Edge financially healthy?
Cutting Edge has a financial health score of 66/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,832 of 4,374 nationally on health and #44 of 48 in Oregon. Its net worth ratio is 9.63% and its delinquency rate 1.06%.
How does Cutting Edge compare to other credit unions?
Cutting Edge scores 66/100, higher than 12% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (42.95% vs 62.60%).
How can I join Cutting Edge?
Cutting Edge 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 Cutting Edge directly for the exact boundaries and application steps.
Is my money safe at Cutting Edge?
Cutting Edge is a federal 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. Cutting Edge's net worth ratio of 9.63% 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.