State credit union · Salem, Oregon · NCUA charter #64166
Marion and Polk Schools
Health score 90/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $1.51B
- Total assets
- 81,575
- Members
- 11.1%
- Net-worth ratio
Marion and Polk Schools - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #64166 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Marion and Polk Schools - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)77
- Earnings (ROA)100
- Member growth83
- Liquidity (loan-to-share)90
Weighted composite: 90/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
11.06% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.06% | 30% |
| Delinquency Rate | 1.09% | 25% |
| Return on Assets | 0.94% | 15% |
| Member Growth | 2.87% | 15% |
| Loan-to-Share Ratio | 93.36% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $1.51B | 81,575 |
| 2024Q4 | $1.38B | 79,298 |
| 2023Q4 | $1.35B | 77,041 |
Credit Union Details
- Charter Number
- 64166
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Oregon
- City
- Salem
- Data Quarter
- 2025Q4
What This Data Says About Marion and Polk Schools
Marion and Polk Schools is a state credit union headquartered in Salem, Oregon, serving 81,575 members with $1.51B in total assets and $1.22B in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 90/100 (Excellent), anchored by a net worth ratio of 11.06% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #64166 operates under peer group Over $500M, a cohort of 749 similarly-sized institutions.
Two more numbers round out the picture: a 1.09% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers - and a 93.36% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.94% on net income of $14.2M 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 2.87%. 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 Marion and Polk Schools financially healthy?
A 11.06% net worth ratio and a 1.09% delinquency rate feed into Marion and Polk Schools's financial health score of 90/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Marion and Polk Schools compare to other credit unions?
Marion and Polk Schools scores 90/100 on PlainCU's health composite, compared to a peer group average for Over $500M 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 Marion and Polk Schools?
Membership eligibility for Marion and Polk Schools depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Marion and Polk Schools directly for current membership requirements and application steps.
Is my money safe at Marion and Polk Schools?
Federal credit unions like Marion and Polk Schools 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. Marion and Polk Schools's net worth ratio of 11.06% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Marion and Polk Schools offer compared to banks?
Credit unions like Marion and Polk Schools 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 Marion and Polk Schools 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.