State credit union · Corvallis, Oregon · NCUA charter #68656
Oregon State
Health score 98/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 98
- Health / 100
- $2.66B
- Total assets
- 154,922
- Members
- 11.5%
- Net-worth ratio
Oregon State scores 98/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.66B; members 154,922; net-worth ratio 11.54%; health rank #107 of 4,374; healthier than 97th of scored peers.
5300 filing masthead
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Oregon State vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Oregon State sits in 95-99 with 391 others.
98 Top 3% higher than 97% 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 Oregon State
- Strongest edge vs 749 Over $500M peers is Net Worth Ratio: +0.36 pp (11.54% vs 11.18%).
- Loan-to-Share Ratio trails the peer set - 82.88% here, 83.90% peer average (-1.02 pp).
Oregon standing for Oregon State
- Oregon health ordinal: #4 of 48.
- By total assets, Oregon State is #6 of 48 in Oregon.
- Oregon membership ordinal: #5 of 48.
- One place up in Oregon, Ibew/Sj Cascade (#3) scores 99/100, 1 point higher; one place down, Pacific Crest (#5) ties at 98/100.
How Oregon State's 5300 filing moved
Oregon State: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.5% from $2.66B (2025Q4) to $2.73B (2026Q1).
- Net-worth ratio shifted -0.07 pp (11.61% → 11.54%).
11.54% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 98/100 score is built
Oregon State gives up 2 points in total. Delinquency Rate costs the most, 2 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 23.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.54% | +0.36 pp |
| Delinquency Rate | 0.70% | -0.18 pp |
| Return on Assets | 0.78% | +0.27 pp |
| Member Growth | 5.63% | - |
| Loan-to-Share Ratio | 82.88% | -1.02 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Oregon State filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.73B | - |
| 2025Q4 | $2.66B | 154,922 |
| 2024Q4 | $2.57B | 146,659 |
| 2023Q4 | $2.17B | 142,504 |
Credit Union Details
- Charter Number
- 68656
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Oregon
- City
- Corvallis
- Data Quarter
- 2025Q4
Branch Locations (16)
Oregon State operates 16 offices across 13 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Sunset Operations Center (Main Office) | Corvallis, OR |
| Albany Branch | Albany, OR |
| North Albany Branch | Albany, OR |
| Financial Center | Corvallis, OR |
| University Branch | Corvallis, OR |
| Dallas Branch | Dallas, OR |
| Keizer Branch | Keizer, OR |
| Lebanon Branch | Lebanon, OR |
| Lincoln City | Lincoln City, OR |
| McMinnville Branch | McMinnville, OR |
| Monmouth Branch | Monmouth, OR |
| Newport Branch | Newport, OR |
| Philomath Branch | Philomath, OR |
| West Salem Branch | Salem, OR |
| Wilsonville Branch | Wilsonville, OR |
| Woodburn Branch | Woodburn, 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.
Oregon State nationwide neighbourhoods
Using this data
- Oregon State ranks #107 of 4,374 nationally on financial health and #4 of 48 in OR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Selco Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Selco Community
Frequently Asked Questions
Is Oregon State financially healthy?
Oregon State has a financial health score of 98/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #107 of 4,374 nationally on health and #4 of 48 in Oregon. Its net worth ratio is 11.54% and its delinquency rate 0.70%.
How does Oregon State compare to other credit unions?
Oregon State scores 98/100, higher than 97% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (11.54% vs 11.18%). Its widest shortfall is loan-to-share ratio (82.88% vs 83.90%).
How can I join Oregon State?
Membership eligibility for Oregon State depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Oregon State directly for current membership requirements and application steps.
Is my money safe at Oregon State?
Oregon State 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. Oregon State's net worth ratio of 11.54% 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.