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
- CHARTER 95/100
- NCUSIF 14.5%
- CAMELS 0.99%
- HEALTH 1.31%
- NW $9.54B
- DELQ 637,073
- ROA #347/4,374
- ASSETS Desert Financial
- MEM 62745
Call Report peers
Onpoint Community in the assets neighbourhood
Onpoint Community's $9.54B assets sit next to Desert Financial ($9.54B) 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.
Onpoint Community 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
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
Onpoint Community - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #62745 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for OR only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Onpoint Community
Onpoint Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.1% from $9.54B (2025Q4) to $9.65B (2026Q1).
- Net-worth ratio shifted +0.19 pp (14.28% → 14.47%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- 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 |
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).
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
Cross-state asset and health neighbours for Onpoint Community - kept outside Oregon; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($9.54B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
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
- 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 Onpoint Community financially healthy?
A 14.47% net worth ratio and a 0.99% delinquency rate feed into Onpoint Community's financial health score of 95/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #347 of 4,374; by total assets it ranks #31 of 4,374 nationally (same basis as /rankings/largest); and #1 of 48 within Oregon. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Onpoint Community compare to other credit unions?
Onpoint Community scores 95/100 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 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?
Federal credit unions like Onpoint Community 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. Onpoint Community's net worth ratio of 14.47% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Onpoint Community offer compared to banks?
Credit unions like Onpoint Community 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 Onpoint Community 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.