State credit union · Clackamas, Oregon · NCUA charter #64103
Forrit
Health score 64/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 64
- Health / 100
- $82.0M
- Total assets
- 4,559
- Members
- 8.6%
- Net-worth ratio
Forrit - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #64103 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Forrit - 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)73
- Earnings (ROA)8
- Member growth19
- Liquidity (loan-to-share)100
Weighted composite: 64/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 8.61%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.61% | 30% |
| Delinquency Rate | 1.24% | 25% |
| Return on Assets | -0.37% | 15% |
| Member Growth | -3.45% | 15% |
| Loan-to-Share Ratio | 88.91% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $82.0M | 4,559 |
| 2024Q4 | $93.7M | 4,722 |
| 2023Q4 | $99.0M | 4,926 |
Credit Union Details
- Charter Number
- 64103
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Oregon
- City
- Clackamas
- Data Quarter
- 2025Q4
What This Data Says About Forrit
Charter #64103, peer group $50M–$100M, a cohort of 584 similarly-sized institutions: that's Forrit, a state credit union in Clackamas, Oregon with 4,559 members, $82.0M in total assets, and $64.9M in outstanding loans as of Q4 2025. The five-factor composite scores it 64/100 (Good), helped by a net worth ratio of 8.61% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
1.24% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers. Deposit deployment is captured by the 88.91% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -0.37% on net income of $-306986 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 -3.45%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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.
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 Forrit financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Forrit carries a financial health score of 64/100 (Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.61% net worth ratio and a 1.24% delinquency rate.
How does Forrit compare to other credit unions?
Forrit scores 64/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Forrit?
Membership eligibility for Forrit depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Forrit directly for current membership requirements and application steps.
Is my money safe at Forrit?
Federal credit unions like Forrit 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. Forrit's net worth ratio of 8.61% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Forrit offer compared to banks?
Credit unions like Forrit 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 Forrit 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.