State credit union · Eugene, Oregon · NCUA charter #65856
Oregon Community
Health score 83/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $3.43B
- Total assets
- 286,283
- Members
- 10.6%
- Net-worth ratio
Oregon Community - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #65856 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Oregon Community - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)57
- Earnings (ROA)100
- Member growth100
- Liquidity (loan-to-share)60
Weighted composite: 83/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 10.63%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.63% | 30% |
| Delinquency Rate | 1.77% | 25% |
| Return on Assets | 0.80% | 15% |
| Member Growth | 6.76% | 15% |
| Loan-to-Share Ratio | 103.98% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $3.43B | 286,283 |
| 2024Q4 | $3.41B | 268,159 |
| 2023Q4 | $3.33B | 264,575 |
Credit Union Details
- Charter Number
- 65856
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Oregon
- City
- Eugene
- Data Quarter
- 2025Q4
What This Data Says About Oregon Community
Oregon Community is a state credit union headquartered in Eugene, Oregon, serving 286,283 members with $3.43B in total assets and $2.99B in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 83/100 (Excellent), anchored by a net worth ratio of 10.63% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #65856 operates under peer group Over $500M, a cohort of 749 similarly-sized institutions.
Two more numbers round out the picture: a 1.77% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers - and a 103.98% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.80% on net income of $27.3M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 6.76%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Oregon Community financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Oregon Community carries a financial health score of 83/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.63% net worth ratio and a 1.77% delinquency rate.
How does Oregon Community compare to other credit unions?
On PlainCU's health composite, Oregon Community lands at 83/100, compared to a peer group average for Over $500M 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 Oregon Community?
Membership eligibility for Oregon Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Oregon Community directly for current membership requirements and application steps.
Is my money safe at Oregon Community?
Federal credit unions like Oregon 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. Oregon Community's net worth ratio of 10.63% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Oregon Community offer compared to banks?
Credit unions like Oregon 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 Oregon Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.