Federal credit union · PORTLAND, Oregon · NCUA charter #4878
Pacific N W
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $313.3M
- Total assets
- 23,024
- Members
- 9.6%
- Net-worth ratio
Pacific N W scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $313.3M; members 23,024; net-worth ratio 9.60%; health rank #1,001 of 4,374; healthier than 77th of scored peers.
NCUA Call Report stamp band
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Pacific N W vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Pacific N W sits in 90-94 with 747 others.
91 Top 23% higher than 77% 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 Pacific N W
- Loan-to-Share Ratio leads the peer set - 82.49% here, 72.20% peer average (+10.29 pp).
- Widest shortfall vs peers is Net Worth Ratio: -2.51 pp (9.60% vs 12.11%).
Pacific N W: in-state Call Report ranks
- Health composite ranks #15 of 48 among scored Oregon credit unions.
- Assets rank #19 of 48 inside Oregon ($313.3M reported).
- Member book place in Oregon: #16 of 48.
- One place up in Oregon, Northwest Adventist (#14) ties at 91/100; one place down, First Community (#16) scores 90/100, 1 point lower.
How Pacific N W's 5300 filing moved
Pacific N W: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.5% from $313.3M (2025Q4) to $317.9M (2026Q1).
- Net-worth ratio shifted -0.04 pp (9.64% → 9.60%).
9.60% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 91/100 score is built
Pacific N W gives up 9 points in total. Member Growth costs the most, 4.8 of its 15; Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 29.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 12.0 pts
- Member Growth 10.2 pts
- Loan-to-Share Ratio 14.8 pts
Call Report ratios for Pacific N W
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.60% | -2.51 pp |
| Delinquency Rate | 0.48% | -0.41 pp |
| Return on Assets | 0.30% | -0.32 pp |
| Member Growth | 0.98% | - |
| Loan-to-Share Ratio | 82.49% | +10.29 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Pacific N W quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $317.9M | - |
| 2025Q4 | $313.3M | 23,024 |
| 2024Q4 | $306.8M | 22,800 |
| 2023Q4 | $313.0M | 22,208 |
Credit Union Details
- Charter Number
- 4878
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Oregon
- City
- PORTLAND
- Data Quarter
- 2025Q4
Branch Locations (3)
Pacific N W operates 3 offices across 3 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Erin Way Branch (Main Office) | Portland, OR |
| Hood River Branch | Hood River, OR |
| Ross Branch | Vancouver, WA |
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 Pacific N W
Using this data
- Pacific N W ranks #1,001 of 4,374 nationally on financial health and #15 of 48 in OR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Old West is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Old West
Frequently Asked Questions
Is Pacific N W financially healthy?
On its 2025Q4 NCUA 5300 filing, Pacific N W scores 91/100 (Excellent), with a 9.60% net worth ratio and 0.48% of loans delinquent. It ranks #1,001 of 4,374 nationally on health and #15 of 48 in Oregon.
How does Pacific N W compare to other credit unions?
Pacific N W scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (82.49% vs 72.20%). Its widest shortfall is net worth ratio (9.60% vs 12.11%).
How can I join Pacific N W?
Pacific N W 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 N W directly for the exact boundaries and application steps.
Is my money safe at Pacific N W?
Pacific N W 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 N W's net worth ratio of 9.60% 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.