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.
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NCUA 5300 Call Report Masthead
#126 of 4,374 health · 2025Q4Pacific Crest · health 98/100 · $381.7M · 2025Q4
Call Report peers
Pacific Crest in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Pacific Crest 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
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Oregon, Oregon State (#4) ties at 98/100; one place down, South Coast Ilwu (#6) scores 97/100, 1 point lower.
How Pacific Crest's 5300 filing moved
Pacific Crest: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.6% from $381.7M (2025Q4) to $387.8M (2026Q1).
- Net-worth ratio shifted -0.01 pp (9.97% → 9.96%).
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
Pacific Crest gives up 2 points in total. Member Growth costs the most, 1.2 of its 15; Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Pacific Crest financially healthy?
Pacific Crest has a financial health score of 98/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #126 of 4,374 nationally on health and #5 of 48 in Oregon. Its net worth ratio is 9.96% and its delinquency rate 0.57%.
How does Pacific Crest compare to other credit unions?
Pacific Crest scores 98/100, higher than 97% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (76.11% vs 72.20%). Its widest shortfall is net worth ratio (9.96% vs 12.11%).
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?
Pacific Crest 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. Pacific Crest's net worth ratio of 9.96% 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.