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
- MEM 78/100
- RANK 15.4%
- PHOTO 1.21%
- BOOK 0.10%
- CHARTER $2.8M
- NCUSIF 312
- CAMELS #2,947/4,374
- HEALTH n/a
- NW 20951
Call Report peers
OPC carries $2.8M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #20951 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for OR only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
OPC: 2025Q4 → 2026Q1
OPC: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.1% from $2.8M (2025Q4) to $2.8M (2026Q1).
- Net-worth ratio shifted +0.66 pp (14.70% → 15.36%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
Two NCUA Call Report peer sets for OPC, both outside Oregon so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
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
- 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 OPC financially healthy?
OPC scores 78/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,947 of 4,374; by total assets it ranks #4,070 of 4,374 nationally (same basis as /rankings/largest); and #48 of 48 within Oregon. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 15.36% net worth ratio and a 1.21% delinquency rate.
How does OPC compare to other credit unions?
On PlainCU's health composite, OPC lands at 78/100, compared to a peer group average for $2M–$10M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 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?
Federal credit unions like OPC 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. OPC's net worth ratio of 15.36% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does OPC offer compared to banks?
Credit unions like OPC 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 OPC 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.