Federal credit union · Oregon City, Oregon · NCUA charter #11793
EMBOLD
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $592.1M
- Total assets
- 36,495
- Members
- 10.0%
- Net-worth ratio
EMBOLD scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $592.1M; members 36,495; net-worth ratio 9.96%; health rank #1,695 of 4,374; healthier than 60th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,695 of 4,374 health · 2025Q4EMBOLD · health 87/100 · $592.1M · 2025Q4
- ROA 87/100
- ASSETS 10.0%
- MEM 0.99%
- RANK 0.24%
- PHOTO $592.1M
- BOOK 36,495
- CHARTER #1,695/4,374
- NCUSIF EDUCATORS
- CAMELS 11793
Call Report peers
EMBOLD in the assets neighbourhood
EMBOLD's $592.1M assets sit next to EDUCATORS ($593.2M) 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.
EMBOLD 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
87 Top 40% higher than 60% 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
EMBOLD - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #11793: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
EMBOLD vs Over $500M peers
- Widest shortfall vs peers is Net Worth Ratio: -1.22 pp (9.96% vs 11.18%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where EMBOLD sits in Oregon
- In Oregon, health place is #20 of 48 on the same NCUA-ratio sort used nationally.
- By total assets, EMBOLD is #13 of 48 in Oregon.
- Oregon membership ordinal: #12 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.
EMBOLD: 2025Q4 → 2026Q1
EMBOLD: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.7% from $592.1M (2025Q4) to $596.1M (2026Q1).
- Net-worth ratio shifted -0.03 pp (9.99% → 9.96%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.96% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 29.9 pts
- Delinquency Rate 20.1 pts
- Return on Assets 11.1 pts
- Member Growth 10.5 pts
- Loan-to-Share Ratio 15.4 pts
EMBOLD health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.96% | -1.22 pp |
| Delinquency Rate | 0.99% | +0.11 pp |
| Return on Assets | 0.24% | -0.27 pp |
| Member Growth | 1.26% | - |
| Loan-to-Share Ratio | 83.85% | -0.05 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $596.1M | - |
| 2025Q4 | $592.1M | 36,495 |
| 2024Q4 | $597.6M | 36,041 |
| 2023Q4 | $592.8M | 35,584 |
Credit Union Details
- Charter Number
- 11793
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Oregon
- City
- Oregon City
- Data Quarter
- 2025Q4
Branch Locations (10)
Per its most recent NCUA branch filing, EMBOLD runs 10 offices in 9 different cities.
| Office | City |
|---|---|
| Admin Branch (Main Office) | Milwaukie, OR |
| CANBY BRANCH | CANBY, OR |
| Happy Valley Branch | Happy Valley, OR |
| McMinville Branch | McMinnville, OR |
| Mobile Branch | Milwaukie, OR |
| Molalla Branch | Molalla, OR |
| Newberg Branch | Newberg, OR |
| Oak Grove Branch | Oak Grove, OR |
| Oregon City Branch | Oregon City, OR |
| Sandy Branch | Sandy, OR |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Oregon
More federally-insured credit unions based in Oregon, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for EMBOLD, both outside Oregon so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($592.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- EMBOLD ranks #1,695 of 4,374 nationally on financial health and #20 of 48 in OR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Central Willamette is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Central Willamette
- 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 EMBOLD financially healthy?
Yes/no aside, the number is 87/100 (Excellent) - EMBOLD'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 #1,695 of 4,374; by total assets it ranks #685 of 4,374 nationally (same basis as /rankings/largest); and #13 of 48 within Oregon. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.96% net worth ratio and 0.99% delinquency rate are the key drivers.
How does EMBOLD compare to other credit unions?
On PlainCU's health composite, EMBOLD lands at 87/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 EMBOLD?
EMBOLD 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 EMBOLD directly for the exact boundaries and application steps.
Is my money safe at EMBOLD?
Federal credit unions like EMBOLD 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. EMBOLD's net worth ratio of 9.96% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does EMBOLD offer compared to banks?
Credit unions like EMBOLD 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 EMBOLD 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.