State credit union · Bend, Oregon · NCUA charter #68748
Mid Oregon
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $850.6M
- Total assets
- 51,851
- Members
- 11.4%
- Net-worth ratio
Mid Oregon scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $850.6M; members 51,851; net-worth ratio 11.40%; health rank #2,290 of 4,374; healthier than 46th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,290 of 4,374 health · 2025Q4Mid Oregon · health 83/100 · $850.6M · 2025Q4
- BOOK 83/100
- CHARTER 11.4%
- NCUSIF 0.27%
- CAMELS 0.00%
- HEALTH $850.6M
- NW 51,851
- DELQ #2,290/4,374
- ROA Sun Community
- ASSETS 68748
Call Report peers
Mid Oregon in the assets neighbourhood
Mid Oregon's $850.6M assets sit next to Sun Community ($850.9M) 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.
Mid Oregon 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
83 46th percentile higher than 46% 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
Mid Oregon - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #68748, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for Mid Oregon
- Loan-to-Share Ratio leads the peer set - 98.06% here, 83.90% peer average (+14.16 pp).
- Largest lag: Return on Assets at 0.00% vs peer 0.51% (-0.51 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Mid Oregon sits in Oregon
- In Oregon, health place is #27 of 48 on the same NCUA-ratio sort used nationally.
- By total assets, Mid Oregon is #10 of 48 in Oregon.
- Oregon membership ordinal: #10 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.
Mid Oregon Call Report trajectory
- Assets moved +3.2% from $850.6M (2025Q4) to $877.7M (2026Q1).
- Net-worth ratio shifted -0.01 pp (11.41% → 11.40%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.40%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 35.3 pts
- Delinquency Rate 29.4 pts
- Return on Assets 5.3 pts
- Loan-to-Share Ratio 13.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.40% | +0.22 pp |
| Delinquency Rate | 0.27% | -0.60 pp |
| Return on Assets | 0.00% | -0.51 pp |
| Member Growth | N/A | - |
| Loan-to-Share Ratio | 98.06% | +14.16 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Mid Oregon quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $877.7M | - |
| 2025Q4 | $850.6M | 51,851 |
Credit Union Details
- Charter Number
- 68748
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Oregon
- City
- Bend
- Data Quarter
- 2025Q4
Branch Locations (9)
Per its most recent NCUA branch filing, Mid Oregon runs 9 offices in 6 different cities.
| Office | City |
|---|---|
| Old Mill (Main Office) | Bend, OR |
| East Bend-Cushing | Bend, OR |
| Bend-Olney | Bend, OR |
| La Pine Branch | La Pine, OR |
| La Pine High School Branch | La Pine, OR |
| Madras | Madras, OR |
| Prineville | Prineville, OR |
| Redmond | Redmond, OR |
| Sisters Office | Sisters, 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
Mid Oregon's nationwide photo peers by assets and by health score, excluding Oregon charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($850.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- Mid Oregon ranks #2,290 of 4,374 nationally on financial health and #27 of 48 in OR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CONSOLIDATED is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CONSOLIDATED
- 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 Mid Oregon financially healthy?
Yes/no aside, the number is 83/100 (Excellent) - Mid Oregon'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 #2,290 of 4,374; by total assets it ranks #531 of 4,374 nationally (same basis as /rankings/largest); and #10 of 48 within Oregon. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.40% net worth ratio and 0.27% delinquency rate are the key drivers.
How does Mid Oregon compare to other credit unions?
Mid Oregon scores 83/100 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 Mid Oregon?
Membership eligibility for Mid Oregon depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Mid Oregon directly for current membership requirements and application steps.
Is my money safe at Mid Oregon?
Federal credit unions like Mid Oregon 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. Mid Oregon's net worth ratio of 11.40% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mid Oregon offer compared to banks?
Credit unions like Mid Oregon 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 Mid Oregon 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.