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.
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#2,290 of 4,374 health · 2025Q4Mid Oregon · health 83/100 · $850.6M · 2025Q4
Call Report peers
Mid Oregon in the assets neighbourhood
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Mid Oregon vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Mid Oregon sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Oregon, Ibew & United Workers (#26) ties at 83/100; one place down, Oregon Community (#28) ties at 83/100.
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%).
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
Mid Oregon gives up 17 points in total. Return on Assets costs the most, 12.4 of its 17.6; Net Worth Ratio and Delinquency Rate score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Mid Oregon financially healthy?
Mid Oregon has a financial health score of 83/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,290 of 4,374 nationally on health and #27 of 48 in Oregon. Its net worth ratio is 11.40% and its delinquency rate 0.27%.
How does Mid Oregon compare to other credit unions?
Mid Oregon scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (98.06% vs 83.90%). Its widest shortfall is return on assets (0.00% vs 0.51%).
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?
Mid Oregon is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.