State credit union · Portland, Oregon · NCUA charter #62745
Onpoint Community
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $9.54B
- Total assets
- 637,073
- Members
- 14.5%
- Net-worth ratio
Onpoint Community scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $9.54B; members 637,073; net-worth ratio 14.47%; health rank #347 of 4,374; healthier than 90th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#347 of 4,374 health · 2025Q4Onpoint Community · health 95/100 · $9.54B · 2025Q4
Call Report peers
Onpoint Community in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Onpoint Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Onpoint Community sits in 95-99 with 391 others.
95 Top 10% higher than 90% 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
Peer-gap read for Onpoint Community
- Net Worth Ratio leads the peer set - 14.47% here, 11.18% peer average (+3.29 pp).
- Largest lag: Loan-to-Share Ratio at 77.03% vs peer 83.90% (-6.87 pp).
Where Onpoint Community sits in Oregon
- Health composite ranks #10 of 48 among scored Oregon credit unions.
- Oregon assets place: #1 of 48.
- Membership ranks #1 of 48 among Oregon CUs with a reported count (637,073 members).
- One place up in Oregon, Benton County Schools (#9) scores 96/100, 1 point higher; one place down, Emerald Empire (#11) scores 94/100, 1 point lower.
Quarter path for Onpoint Community
Onpoint Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.1% from $9.54B (2025Q4) to $9.65B (2026Q1).
- Net-worth ratio shifted +0.19 pp (14.28% → 14.47%).
This credit union's 14.47% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 95/100 score is built
Onpoint Community gives up 5 points in total. Delinquency Rate costs the most, 4.9 of its 25; Net Worth Ratio and Return on Assets and Member Growth and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.1 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.9 pts
Onpoint Community vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.47% | +3.29 pp |
| Delinquency Rate | 0.99% | +0.12 pp |
| Return on Assets | 1.31% | +0.80 pp |
| Member Growth | 7.16% | - |
| Loan-to-Share Ratio | 77.03% | -6.87 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $9.65B | - |
| 2025Q4 | $9.54B | 637,073 |
| 2024Q4 | $9.71B | 594,521 |
| 2023Q4 | $8.74B | 546,797 |
Credit Union Details
- Charter Number
- 62745
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Oregon
- City
- Portland
- Data Quarter
- 2025Q4
Branch Locations (62)
Per its most recent NCUA branch filing, Onpoint Community runs 62 offices in 29 different cities across 2 states.
| Office | City |
|---|---|
| Montgomery Park (Main Office) | Portland, OR |
| Albany | Albany, OR |
| Beaverton | Beaverton, OR |
| Murrayhill | Beaverton, OR |
| 158th & Walker | Beaverton, OR |
| Beaverton Town Square | Beaverton, OR |
| Bend South | Bend, OR |
| Bend Downtown | Bend, OR |
| Clackamas Promenade | Clackamas, OR |
| Cornelius | Cornelius, OR |
| Corvallis | Corvallis, OR |
| Coburg Road | Eugene, OR |
| Santa Clara | Eugene, OR |
| West Eugene | Eugene, OR |
| Gresham | Gresham, OR |
| East Gresham | Gresham, OR |
| Happy Valley | Happy Valley, OR |
| Orenco Station | Hillsboro, OR |
| South Hillsboro | Hillsboro, OR |
| Reed's Crossing | Hillsboro, OR |
| Keizer | Keizer, OR |
| Kruse Meadows | Lake Oswego, OR |
| McMinnville | McMinnville, OR |
| Oak Grove | Milwaukie, OR |
| Newberg | Newberg, OR |
| Oregon City | Oregon City, OR |
| Lloyd Center | Portland, OR |
| 205 Place | Portland, OR |
| NW 27th & Vaughn | Portland, OR |
| Rose City | Portland, OR |
| Sellwood | Portland, OR |
| SW 5th & Harvey Milk | Portland, OR |
| Stadium | Portland, OR |
| Hillsdale | Portland, OR |
| Woodstock | Portland, OR |
| Hawthorne | Portland, OR |
| Fremont & Williams | Portland, OR |
| North Lombard | Portland, OR |
| 67th & Glisan | Portland, OR |
| Hollywood | Portland, OR |
| Johnson Creek | Portland, OR |
| Burlingame | Portland, OR |
| Clackamas Operations Center | Portland, OR |
| Redmond South | Redmond, OR |
| Ridgefield | Ridgefield, WA |
| West Salem | Salem, OR |
| South Salem | Salem, OR |
| Sandy | Sandy, OR |
| Scappoose | Scappoose, OR |
| Sherwood | Sherwood, OR |
| Springfield | Springfield, OR |
| Tigard | Tigard, OR |
| Cherry Park | Troutdale, OR |
| Tualatin | Tualatin, OR |
| Andresen | Vancouver, WA |
| Burton | Vancouver, WA |
| Salmon Creek | Vancouver, WA |
| Mill Plain | Vancouver, WA |
| Vancouver Waterfront | Vancouver, WA |
| Hazel Dell | Vancouver, WA |
| Orchards | Vancouver, WA |
| Wilsonville | Wilsonville, OR |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Oregon
More federally-insured credit unions based in Oregon, ordered by peer group match and asset size.
Onpoint Community nationwide neighbourhoods
Using this data
- Onpoint Community ranks #347 of 4,374 nationally on financial health and #10 of 48 in OR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ROGUE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ROGUE
Frequently Asked Questions
Is Onpoint Community financially healthy?
Onpoint Community has a financial health score of 95/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #347 of 4,374 nationally on health and #10 of 48 in Oregon. Its net worth ratio is 14.47% and its delinquency rate 0.99%.
How does Onpoint Community compare to other credit unions?
Onpoint Community scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (14.47% vs 11.18%). Its widest shortfall is loan-to-share ratio (77.03% vs 83.90%).
How can I join Onpoint Community?
Membership eligibility for Onpoint Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Onpoint Community directly for current membership requirements and application steps.
Is my money safe at Onpoint Community?
Onpoint Community 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. Onpoint Community's net worth ratio of 14.47% 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.