Federal credit union · Durkee, Oregon · NCUA charter #20951
OPC
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $2.8M
- Total assets
- 312
- Members
- 15.4%
- Net-worth ratio
OPC scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.8M; members 312; net-worth ratio 15.36%; health rank #2,947 of 4,374; healthier than 31st of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,947 of 4,374 health · 2025Q4OPC · health 78/100 · $2.8M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
OPC vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); OPC sits in 75-79 with 502 others.
78 31st percentile higher than 31% 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
OPC: Call Report deltas vs peers
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +40.14 pp (103.74% vs 63.60%).
- Largest lag: Net Worth Ratio at 15.36% vs peer 19.06% (-3.70 pp).
OPC in Oregon
- Oregon health ordinal: #37 of 48.
- Assets rank #48 of 48 inside Oregon ($2.8M reported).
- Oregon membership ordinal: #47 of 48.
- One place up in Oregon, OREGONIANS (#36) scores 79/100, 1 point higher; one place down, Pacific Cascade (#38) scores 76/100, 2 points lower.
OPC: 2025Q4 → 2026Q1
OPC: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.1% from $2.8M (2025Q4) to $2.8M (2026Q1).
- Net-worth ratio shifted +0.66 pp (14.70% → 15.36%).
15.36% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 78/100 score is built
OPC gives up 22 points in total. Delinquency Rate costs the most, 6.5 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.5 pts
- Return on Assets 9.0 pts
- Member Growth 11.4 pts
- Loan-to-Share Ratio 9.1 pts
Call Report ratios for OPC
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.36% | -3.70 pp |
| Delinquency Rate | 1.21% | -0.60 pp |
| Return on Assets | 0.10% | -0.35 pp |
| Member Growth | 1.96% | - |
| Loan-to-Share Ratio | 103.74% | +40.14 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
OPC quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.8M | - |
| 2025Q4 | $2.8M | 312 |
| 2024Q4 | $2.8M | 306 |
| 2023Q4 | $2.9M | 306 |
Credit Union Details
- Charter Number
- 20951
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Oregon
- City
- Durkee
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for OPC.
| Office | City |
|---|---|
| OPC FCU (Main Office) | Durkee, 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.
Cross-state Call Report peers for OPC
Using this data
- OPC ranks #2,947 of 4,374 nationally on financial health and #37 of 48 in OR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Radio Cab is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Radio Cab
Frequently Asked Questions
Is OPC financially healthy?
On its 2025Q4 NCUA 5300 filing, OPC scores 78/100 (Very Good), with a 15.36% net worth ratio and 1.21% of loans delinquent. It ranks #2,947 of 4,374 nationally on health and #37 of 48 in Oregon.
How does OPC compare to other credit unions?
OPC scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (103.74% vs 63.60%). Its widest shortfall is net worth ratio (15.36% vs 19.06%).
How can I join OPC?
OPC 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 OPC directly for the exact boundaries and application steps.
Is my money safe at OPC?
OPC 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. OPC's net worth ratio of 15.36% 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.