Federal credit union · Gladstone, Oregon · NCUA charter #14708
Machinists - Boilermakers
Health score 52/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 52
- Health / 100
- $3.8M
- Total assets
- 481
- Members
- 13.2%
- Net-worth ratio
Machinists - Boilermakers scores 52/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.8M; members 481; net-worth ratio 13.24%; health rank #4,242 of 4,374; healthier than 3rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,242 of 4,374 health · 2025Q4Machinists - Boilermakers · health 52/100 · $3.8M · 2025Q4
- CAMELS 52/100
- HEALTH 13.2%
- NW 2.86%
- DELQ -0.50%
- ROA $3.8M
- ASSETS 481
- MEM #4,242/4,374
- RANK n/a
- PHOTO 14708
Call Report peers
Machinists - Boilermakers carries $3.8M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Machinists - Boilermakers 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
52 3rd percentile higher than 3% 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
Machinists - Boilermakers - Share Insurance Coverage
Charter #14708's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where Machinists - Boilermakers diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 88.50% here, 63.60% peer average (+24.90 pp).
- Net Worth Ratio trails the peer set - 13.24% here, 19.06% peer average (-5.82 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Oregon standing for Machinists - Boilermakers
- Oregon health ordinal: #48 of 48.
- By total assets, Machinists - Boilermakers is #46 of 48 in Oregon.
- Oregon membership ordinal: #46 of 48.
In-state ordinals use the live credit_unions table for OR only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Machinists - Boilermakers's 5300 filing moved
Machinists - Boilermakers: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -11.6% from $3.8M (2025Q4) to $3.3M (2026Q1).
- Net-worth ratio shifted +1.62 pp (11.62% → 13.24%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 13.24% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 52/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 52.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 7.1 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.9 pts
Machinists - Boilermakers vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.24% | -5.82 pp |
| Delinquency Rate | 2.86% | +1.05 pp |
| Return on Assets | -0.50% | -0.96 pp |
| Member Growth | -7.85% | - |
| Loan-to-Share Ratio | 88.50% | +24.90 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Call Report history - Machinists - Boilermakers
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.3M | - |
| 2025Q4 | $3.8M | 481 |
| 2024Q4 | $4.1M | 522 |
| 2023Q4 | $4.4M | 566 |
Credit Union Details
- Charter Number
- 14708
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $2M–$10M
- State
- Oregon
- City
- Gladstone
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Machinists - Boilermakers runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Machinists-Boilermakers FCU (Main Office) | Gladstone, OR |
| IBEW and United Workers FCU | Portland, OR |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Machinists - Boilermakers - kept outside Oregon; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (52/100 here).
Using this data
- Machinists - Boilermakers ranks #4,242 of 4,374 nationally on financial health and #48 of 48 in OR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Radio Cab is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Radio Cab
- 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 Machinists - Boilermakers financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Machinists - Boilermakers carries a financial health score of 52/100 (Fair). On the national health ranking (same basis as /rankings/healthiest), it sits at #4,242 of 4,374; by total assets it ranks #3,983 of 4,374 nationally (same basis as /rankings/largest); and #46 of 48 within Oregon. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 13.24% net worth ratio and a 2.86% delinquency rate.
How does Machinists - Boilermakers compare to other credit unions?
Five weighted metrics from NCUA filings produce Machinists - Boilermakers's 52/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M 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 Machinists - Boilermakers?
Machinists - Boilermakers 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 Machinists - Boilermakers directly for the exact boundaries and application steps.
Is my money safe at Machinists - Boilermakers?
Federal credit unions like Machinists - Boilermakers 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. Machinists - Boilermakers's net worth ratio of 13.24% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Machinists - Boilermakers offer compared to banks?
Credit unions like Machinists - Boilermakers 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 Machinists - Boilermakers 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.