State credit union · Portland, Oregon · NCUA charter #63971
Point West
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $100.4M
- Total assets
- 7,980
- Members
- 12.2%
- Net-worth ratio
Point West scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $100.4M; members 7,980; net-worth ratio 12.20%; health rank #2,436 of 4,374; healthier than 43rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,436 of 4,374 health · 2025Q4Point West · health 82/100 · $100.4M · 2025Q4
- ASSETS 82/100
- MEM 12.2%
- RANK 0.80%
- PHOTO 0.84%
- BOOK $100.4M
- CHARTER 7,980
- NCUSIF #2,436/4,374
- CAMELS First Watch
- HEALTH 63971
Call Report peers
Point West in the assets neighbourhood
Point West's $100.4M assets sit next to First Watch ($100.5M) 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.
Point West 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
82 43rd percentile higher than 43% 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
Point West - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #63971, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Point West vs $100M–$500M peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +14.73 pp (86.93% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Point West sits in Oregon
- Oregon health ordinal: #29 of 48.
- By total assets, Point West is #31 of 48 in Oregon.
- Membership ranks #29 of 48 among Oregon CUs with a reported count (7,980 members).
In-state ordinals use the live credit_unions table for OR only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Point West Call Report trajectory
Point West: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.6% from $100.4M (2025Q4) to $102.0M (2026Q1).
- Net-worth ratio shifted -0.20 pp (12.40% → 12.20%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.20%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 82/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for Point West
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.20% | +0.09 pp |
| Delinquency Rate | 0.80% | -0.09 pp |
| Return on Assets | 0.84% | +0.22 pp |
| Member Growth | -7.64% | - |
| Loan-to-Share Ratio | 86.93% | +14.73 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).
Point West filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $102.0M | - |
| 2025Q4 | $100.4M | 7,980 |
| 2024Q4 | $110.4M | 8,640 |
| 2023Q4 | $109.8M | 8,905 |
Credit Union Details
- Charter Number
- 63971
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Oregon
- City
- Portland
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Point West.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Portland, OR |
| Remote Access | Portland, OR |
| Retail Branch | Portland, OR |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Oregon
Other federally-insured credit unions in Oregon, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Point West, 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 ($100.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
Using this data
- Point West ranks #2,436 of 4,374 nationally on financial health and #29 of 48 in OR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Ibew & United Workers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Ibew & United Workers
- 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 Point West financially healthy?
A 12.20% net worth ratio and a 0.80% delinquency rate feed into Point West's financial health score of 82/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,436 of 4,374; by total assets it ranks #1,816 of 4,374 nationally (same basis as /rankings/largest); and #31 of 48 within Oregon. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Point West compare to other credit unions?
82/100 is Point West's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Point West?
Membership eligibility for Point West depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Point West directly for current membership requirements and application steps.
Is my money safe at Point West?
Federal credit unions like Point West 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. Point West's net worth ratio of 12.20% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Point West offer compared to banks?
Credit unions like Point West 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 Point West 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.