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
Call Report peers
Point West in the assets neighbourhood
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Point West vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Point West sits in 80-84 with 767 others.
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 vs $100M–$500M peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +14.73 pp (86.93% vs 72.20%).
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).
- One place up in Oregon, Oregon Community (#28) scores 83/100, 1 point higher; one place down, Kaiperm Northwest (#30) ties at 82/100.
Point West Call Report trajectory
Point West: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.6% from $100.4M (2025Q4) to $102.0M (2026Q1).
- Net-worth ratio shifted -0.20 pp (12.40% → 12.20%).
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
Point West gives up 18 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Point West financially healthy?
On its 2025Q4 NCUA 5300 filing, Point West scores 82/100 (Excellent), with a 12.20% net worth ratio and 0.80% of loans delinquent. It ranks #2,436 of 4,374 nationally on health and #29 of 48 in Oregon.
How does Point West compare to other credit unions?
Point West scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (86.93% vs 72.20%).
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?
Point West is a state-chartered 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. Point West's net worth ratio of 12.20% 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.