Federal credit union · Saint Helens, Oregon · NCUA charter #2730
INROADS
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $329.6M
- Total assets
- 16,172
- Members
- 8.3%
- Net-worth ratio
INROADS scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $329.6M; members 16,172; net-worth ratio 8.32%; health rank #3,218 of 4,374; healthier than 26th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,218 of 4,374 health · 2025Q4INROADS · health 76/100 · $329.6M · 2025Q4
Call Report peers
INROADS in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
INROADS vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); INROADS sits in 75-79 with 502 others.
76 26th percentile higher than 26% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
INROADS: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 84.42% vs peer 72.20% (+12.22 pp).
- Net Worth Ratio trails the peer set - 8.32% here, 12.11% peer average (-3.79 pp).
INROADS in Oregon
- Oregon health ordinal: #39 of 48.
- By total assets, INROADS is #18 of 48 in Oregon.
- Member book place in Oregon: #20 of 48.
- One place up in Oregon, Pacific Cascade (#38) ties at 76/100; one place down, 44 North (#40) scores 72/100, 4 points lower.
How INROADS's 5300 filing moved
INROADS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.6% from $329.6M (2025Q4) to $334.8M (2026Q1).
- Net-worth ratio shifted -0.28 pp (8.60% → 8.32%).
8.32% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 76/100 score is built
INROADS gives up 24 points in total. Member Growth costs the most, 10.1 of its 15; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 25.8 pts
- Delinquency Rate 18.8 pts
- Return on Assets 11.3 pts
- Member Growth 4.9 pts
- Loan-to-Share Ratio 15.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.32% | -3.79 pp |
| Delinquency Rate | 1.17% | +0.27 pp |
| Return on Assets | 0.25% | -0.37 pp |
| Member Growth | -2.25% | - |
| Loan-to-Share Ratio | 84.42% | +12.22 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - INROADS
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $334.8M | - |
| 2025Q4 | $329.6M | 16,172 |
| 2024Q4 | $359.5M | 16,545 |
| 2023Q4 | $376.6M | 16,786 |
Credit Union Details
- Charter Number
- 2730
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Oregon
- City
- Saint Helens
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, INROADS runs 5 offices in 4 different cities.
| Office | City |
|---|---|
| InRoads Administration Center (Main Office) | Saint Helens, OR |
| Orenco Station Branch | Hillsboro, OR |
| Rainier Branch | Rainier, OR |
| St. Helens Branch | Saint Helens, OR |
| Scappoose Branch | Scappoose, 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.
Cross-state Call Report peers for INROADS
Similar total assets
Using this data
- INROADS ranks #3,218 of 4,374 nationally on financial health and #39 of 48 in OR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- OREGONIANS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with OREGONIANS
Frequently Asked Questions
Is INROADS financially healthy?
On its 2025Q4 NCUA 5300 filing, INROADS scores 76/100 (Very Good), with a 8.32% net worth ratio and 1.17% of loans delinquent. It ranks #3,218 of 4,374 nationally on health and #39 of 48 in Oregon.
How does INROADS compare to other credit unions?
INROADS scores 76/100, higher than 26% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (84.42% vs 72.20%). Its widest shortfall is net worth ratio (8.32% vs 12.11%).
How can I join INROADS?
INROADS 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 INROADS directly for the exact boundaries and application steps.
Is my money safe at INROADS?
INROADS 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. INROADS's net worth ratio of 8.32% 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.