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
Call Report peers
EMBOLD in the assets neighbourhood
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
EMBOLD sits in the busiest band, 85-89, alongside 857 other credit unions.
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 vs Over $500M peers
- Widest shortfall vs peers is Net Worth Ratio: -1.22 pp (9.96% vs 11.18%).
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.
- One place up in Oregon, United Trades (#19) scores 88/100, 1 point higher; one place down, Unitus Community (#21) ties at 87/100.
EMBOLD: 2025Q4 → 2026Q1
EMBOLD: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.7% from $592.1M (2025Q4) to $596.1M (2026Q1).
- Net-worth ratio shifted -0.03 pp (9.99% → 9.96%).
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
EMBOLD gives up 13 points in total. Delinquency Rate costs the most, 4.9 of its 25; Loan-to-Share Ratio scores full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is EMBOLD financially healthy?
On its 2025Q4 NCUA 5300 filing, EMBOLD scores 87/100 (Excellent), with a 9.96% net worth ratio and 0.99% of loans delinquent. It ranks #1,695 of 4,374 nationally on health and #20 of 48 in Oregon.
How does EMBOLD compare to other credit unions?
EMBOLD scores 87/100, higher than 60% of the 4,374 scored credit unions. Its widest shortfall is net worth ratio (9.96% vs 11.18%).
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?
EMBOLD 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. EMBOLD's net worth ratio of 9.96% 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.