Federal credit union · Portland, Oregon · NCUA charter #13649
Ironworkers Usa
Health score 81/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $143.4M
- Total assets
- 17,848
- Members
- 10.6%
- Net-worth ratio
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.
Ironworkers Usa - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)27
- Earnings (ROA)100
- Member growth100
- Liquidity (loan-to-share)93
Weighted composite: 81/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 10.64%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.64% | 30% |
| Delinquency Rate | 2.93% | 25% |
| Return on Assets | 1.27% | 15% |
| Member Growth | 15.52% | 15% |
| Loan-to-Share Ratio | 92.45% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Ironworkers Usa
The five-factor composite scores Ironworkers Usa at 81/100 (Excellent), reflecting a net worth ratio of 10.64% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Portland, Oregon, reports 17,848 members, $143.4M in total assets, and $116.8M in outstanding loans as of Q4 2025 under charter #13649 (peer group $100M–$500M, a cohort of 1069 similarly-sized institutions).
Deposits deployed into lending sit at a 92.45% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 2.93% of the book 60+ days past due - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. Return on assets stands at 1.27% on net income of $1.8M 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 15.52%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Association/Group) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Oregon
More federally-insured credit unions based in Oregon, ordered by peer group match and asset size.
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 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. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.64% 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 10.64% 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.
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.