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
NCUA 5300 Call Report Masthead
#1,001 of 4,374 health · 2025Q4Pacific N W · health 91/100 · $313.3M · 2025Q4
- RANK 91/100
- PHOTO 9.6%
- BOOK 0.48%
- CHARTER 0.30%
- NCUSIF $313.3M
- CAMELS 23,024
- HEALTH #1,001/4,374
- NW Soo Co-Op
- DELQ 4878
Pacific N W in the assets neighbourhood
Pacific N W's $313.3M assets sit next to Soo Co-Op ($313.2M) 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 N W 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
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
Pacific N W - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #4878, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
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 N W's 5300 filing moved
Pacific N W: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.5% from $313.3M (2025Q4) to $317.9M (2026Q1).
- Net-worth ratio shifted -0.04 pp (9.64% → 9.60%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- 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 |
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 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
Two NCUA Call Report peer sets for Pacific N W, both outside Oregon so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($313.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
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
- 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 N W financially healthy?
A 9.60% net worth ratio and a 0.48% delinquency rate feed into Pacific N W's financial health score of 91/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,001 of 4,374; by total assets it ranks #1,013 of 4,374 nationally (same basis as /rankings/largest); and #19 of 48 within Oregon. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Pacific N W compare to other credit unions?
On PlainCU's health composite, Pacific N W lands at 91/100, compared to a peer group average for $100M–$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 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?
Federal credit unions like Pacific N W 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 N W's net worth ratio of 9.60% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Pacific N W offer compared to banks?
Credit unions like Pacific N W 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 N W 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.