Federal credit union · Klamath Falls, Oregon · NCUA charter #960
Pacific Crest
Health score 98/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 98
- Health / 100
- $381.7M
- Total assets
- 25,784
- Members
- 10.0%
- Net-worth ratio
Pacific Crest scores 98/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $381.7M; members 25,784; net-worth ratio 9.96%; health rank #126 of 4,374; healthier than 97th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#126 of 4,374 health · 2025Q4Pacific Crest · health 98/100 · $381.7M · 2025Q4
- RANK 98/100
- PHOTO 10.0%
- BOOK 0.57%
- CHARTER 1.29%
- NCUSIF $381.7M
- CAMELS 25,784
- HEALTH #126/4,374
- NW American United
- DELQ 960
Call Report peers
Pacific Crest in the assets neighbourhood
Pacific Crest's $381.7M assets sit next to American United ($381.4M) 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.
Pacific Crest 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
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
Pacific Crest - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #960: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for Pacific Crest
- Loan-to-Share Ratio leads the peer set - 76.11% here, 72.20% peer average (+3.91 pp).
- Largest lag: Net Worth Ratio at 9.96% vs peer 12.11% (-2.15 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Pacific Crest: in-state Call Report ranks
- Oregon health ordinal: #5 of 48.
- Oregon assets place: #16 of 48.
- Member book place in Oregon: #15 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.
How Pacific Crest's 5300 filing moved
Pacific Crest: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.6% from $381.7M (2025Q4) to $387.8M (2026Q1).
- Net-worth ratio shifted -0.01 pp (9.97% → 9.96%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.96%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 98/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 98.
- Net Worth Ratio 29.9 pts
- Delinquency Rate 24.3 pts
- Return on Assets 15.0 pts
- Member Growth 13.8 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for Pacific Crest
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.96% | -2.15 pp |
| Delinquency Rate | 0.57% | -0.32 pp |
| Return on Assets | 1.29% | +0.67 pp |
| Member Growth | 4.03% | - |
| Loan-to-Share Ratio | 76.11% | +3.91 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Pacific Crest quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $387.8M | - |
| 2025Q4 | $381.7M | 25,784 |
| 2024Q4 | $352.4M | 24,784 |
| 2023Q4 | $329.5M | 23,886 |
Credit Union Details
- Charter Number
- 960
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Oregon
- City
- Klamath Falls
- Data Quarter
- 2025Q4
Branch Locations (6)
The NCUA branch filing lists 6 physical offices for Pacific Crest, spread across 4 cities in 2 states.
| Office | City |
|---|---|
| Washburn Branch (Main Office) | Klamath Falls, OR |
| Alturas Branch | Alturas, CA |
| Christmas Valley Branch | Christmas Valley, OR |
| Galpin Branch | Klamath Falls, OR |
| Klamath Branch | Klamath Falls, OR |
| Lakeview Branch | Lakeview, 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.
Cross-state Call Report peers for Pacific Crest
Cross-state asset and health neighbours for Pacific Crest - kept outside Oregon; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($381.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (98/100 here).
Using this data
- Pacific Crest ranks #126 of 4,374 nationally on financial health and #5 of 48 in OR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- WAUNA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with WAUNA
- 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 Pacific Crest financially healthy?
Pacific Crest has a financial health score of 98/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #126 of 4,374; by total assets it ranks #894 of 4,374 nationally (same basis as /rankings/largest); and #16 of 48 within Oregon. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.96% and delinquency rate of 0.57%.
How does Pacific Crest compare to other credit unions?
Pacific Crest scores 98/100 on PlainCU's health composite, compared to a peer group average for $100M–$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 Pacific Crest?
Pacific Crest 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 Pacific Crest directly for the exact boundaries and application steps.
Is my money safe at Pacific Crest?
Federal credit unions like Pacific Crest 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. Pacific Crest's net worth ratio of 9.96% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Pacific Crest offer compared to banks?
Credit unions like Pacific Crest 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 Pacific Crest 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.