Federal credit union · JOHN DAY, Oregon · NCUA charter #12012
Old West
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $313.2M
- Total assets
- 15,432
- Members
- 11.8%
- Net-worth ratio
Old West scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $313.2M; members 15,432; net-worth ratio 11.79%; health rank #2,746 of 4,374; healthier than 36th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,746 of 4,374 health · 2025Q4Old West · health 80/100 · $313.2M · 2025Q4
- NCUSIF 80/100
- CAMELS 11.8%
- HEALTH 2.40%
- NW 0.45%
- DELQ $313.2M
- ROA 15,432
- ASSETS #2,746/4,374
- MEM Soo Co-Op
- RANK 12012
Call Report peers
Old West in the assets neighbourhood
Old West's $313.2M assets sit next to Soo Co-Op ($313.2M) 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.
Old West 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
80 36th percentile higher than 36% 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
Old West - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #12012. See our deposit-insurance coverage note.
Old West: Call Report deltas vs peers
- Delinquency Rate trails the peer set - 2.40% here, 0.89% peer average (+1.51 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Old West in Oregon
- Health composite ranks #33 of 48 among scored Oregon credit unions.
- By total assets, Old West is #20 of 48 in Oregon.
- Membership ranks #21 of 48 among Oregon CUs with a reported count (15,432 members).
In-state ordinals use the live credit_unions table for OR only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Old West: 2025Q4 → 2026Q1
Old West: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.3% from $313.2M (2025Q4) to $320.5M (2026Q1).
- Net-worth ratio shifted -0.21 pp (12.00% → 11.79%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.79%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 10.0 pts
- Return on Assets 14.2 pts
- Member Growth 10.3 pts
- Loan-to-Share Ratio 15.5 pts
Old West vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.79% | -0.32 pp |
| Delinquency Rate | 2.40% | +1.51 pp |
| Return on Assets | 0.45% | -0.17 pp |
| Member Growth | 1.10% | - |
| Loan-to-Share Ratio | 71.33% | -0.87 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - Old West
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $320.5M | - |
| 2025Q4 | $313.2M | 15,432 |
| 2024Q4 | $286.2M | 15,264 |
| 2023Q4 | $291.8M | 15,187 |
Credit Union Details
- Charter Number
- 12012
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Oregon
- City
- JOHN DAY
- Data Quarter
- 2025Q4
Branch Locations (9)
Per its most recent NCUA branch filing, Old West runs 9 offices in 9 different cities.
| Office | City |
|---|---|
| John Day Branch (Main Office) | John Day, OR |
| Baker City Branch | Baker City, OR |
| Burns Branch | Burns, OR |
| Enterprise | Enterprise, OR |
| Hermiston Branch | Hermiston, OR |
| La Grande Branch | La Grande, OR |
| Pendleton Branch | Pendleton, OR |
| Prairie City Branch | Prairie City, OR |
| Union Branch | Union, 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.
Other-state peers near Old West
Cross-state asset and health neighbours for Old West - kept outside Oregon; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($313.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- Old West ranks #2,746 of 4,374 nationally on financial health and #33 of 48 in OR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Pacific N W is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Pacific N W
- 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 Old West financially healthy?
A 11.79% net worth ratio and a 2.40% delinquency rate feed into Old West's financial health score of 80/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,746 of 4,374; by total assets it ranks #1,015 of 4,374 nationally (same basis as /rankings/largest); and #20 of 48 within Oregon. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Old West compare to other credit unions?
Old West scores 80/100 on PlainCU's health composite, compared to a peer group average for $100M–$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 Old West?
Old West 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 Old West directly for the exact boundaries and application steps.
Is my money safe at Old West?
Federal credit unions like Old West 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. Old West's net worth ratio of 11.79% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Old West offer compared to banks?
Credit unions like Old West 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 Old West 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.