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
Call Report peers
Old West in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Old West sits in 80-84 with 767 others.
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: Call Report deltas vs peers
- Delinquency Rate trails the peer set - 2.40% here, 0.89% peer average (+1.51 pp).
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).
- One place up in Oregon, Radio Cab (#32) ties at 80/100; one place down, Heritage Grove (#34) ties at 80/100.
Old West: 2025Q4 → 2026Q1
Old West: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.3% from $313.2M (2025Q4) to $320.5M (2026Q1).
- Net-worth ratio shifted -0.21 pp (12.00% → 11.79%).
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
Old West gives up 20 points in total. Delinquency Rate costs the most, 15 of its 25; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Old West financially healthy?
Old West has a financial health score of 80/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,746 of 4,374 nationally on health and #33 of 48 in Oregon. Its net worth ratio is 11.79% and its delinquency rate 2.40%.
How does Old West compare to other credit unions?
Old West scores 80/100, higher than 36% of the 4,374 scored credit unions. Its widest shortfall is delinquency rate (2.40% vs 0.89%).
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?
Old West is a federal 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. Old West's net worth ratio of 11.79% 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.