Federal credit union · Portland, Oregon · NCUA charter #13649
Ironworkers USA
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $143.4M
- Total assets
- 17,848
- Members
- 11.5%
- Net-worth ratio
Ironworkers USA scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $143.4M; members 17,848; net-worth ratio 11.50%; health rank #2,603 of 4,374; healthier than 39th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,603 of 4,374 health · 2025Q4Ironworkers USA · health 81/100 · $143.4M · 2025Q4
- CHARTER 81/100
- NCUSIF 11.5%
- CAMELS 2.93%
- HEALTH 1.27%
- NW $143.4M
- DELQ 17,848
- ROA #2,603/4,374
- ASSETS Best Financial
- MEM 13649
Call Report peers
Ironworkers USA in the assets neighbourhood
Ironworkers USA's $143.4M assets sit next to Best Financial ($143.4M) 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.
Ironworkers USA 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
81 39th percentile higher than 39% 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
Ironworkers USA - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #13649, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where Ironworkers USA diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 92.45% vs peer 72.20% (+20.25 pp).
- Largest lag: Delinquency Rate at 2.93% vs peer 0.89% (+2.03 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Ironworkers USA in Oregon
- Oregon health ordinal: #31 of 48.
- Assets rank #26 of 48 inside Oregon ($143.4M reported).
- Membership ranks #19 of 48 among Oregon CUs with a reported count (17,848 members).
In-state ordinals use the live credit_unions table for OR only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Ironworkers USA Call Report trajectory
Ironworkers USA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.6% from $143.4M (2025Q4) to $147.1M (2026Q1).
- Net-worth ratio shifted -0.01 pp (11.51% → 11.50%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.50%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 81/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 6.7 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.3 pts
Call Report ratios for Ironworkers USA
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.50% | -0.61 pp |
| Delinquency Rate | 2.93% | +2.03 pp |
| Return on Assets | 1.27% | +0.65 pp |
| Member Growth | 15.52% | - |
| Loan-to-Share Ratio | 92.45% | +20.25 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Ironworkers USA filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $147.1M | - |
| 2025Q4 | $143.4M | 17,848 |
| 2024Q4 | $126.1M | 15,450 |
| 2023Q4 | $111.2M | 13,761 |
Credit Union Details
- Charter Number
- 13649
- Type
- Federal
- Field of Membership
- Association/Group
- Peer Group
- $100M–$500M
- State
- Oregon
- City
- Portland
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, Ironworkers USA runs 5 offices in 4 different cities across 3 states.
| Office | City |
|---|---|
| Potland Branch (Main Office) | Portland, OR |
| Admin Office | Portland, OR |
| Vital Records Center - CMC FLEX | Sandy, UT |
| Spokane Branch | Spokane Valley, WA |
| Seattle Branch | Tukwila, WA |
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 Ironworkers USA, 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 ($143.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- Ironworkers USA ranks #2,603 of 4,374 nationally on financial health and #31 of 48 in OR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Pacific Cascade is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Pacific Cascade
- 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 Ironworkers USA financially healthy?
Yes/no aside, the number is 81/100 (Excellent) - Ironworkers USA'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 #2,603 of 4,374; by total assets it ranks #1,524 of 4,374 nationally (same basis as /rankings/largest); and #26 of 48 within Oregon. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.50% net worth ratio and 2.93% delinquency rate are the key drivers.
How does Ironworkers USA compare to other credit unions?
Five weighted metrics from NCUA filings produce Ironworkers USA's 81/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Ironworkers USA?
Ironworkers USA serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Ironworkers USA directly for the current list of qualifying groups.
Is my money safe at Ironworkers USA?
Federal credit unions like Ironworkers USA 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. Ironworkers USA's net worth ratio of 11.50% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Ironworkers USA offer compared to banks?
Credit unions like Ironworkers USA 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 Ironworkers USA 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.