State credit union · PORTLAND, Oregon · NCUA charter #63903
Radio Cab
Health score 80/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $3.6M
- Total assets
- 202
- Members
- 23.2%
- Net-worth ratio
Radio Cab - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #63903, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Radio Cab - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)48
- Earnings (ROA)100
- Member growth89
- Liquidity (loan-to-share)63
Weighted composite: 80/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
23.19% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 23.19% | 30% |
| Delinquency Rate | 2.09% | 25% |
| Return on Assets | 0.62% | 15% |
| Member Growth | 3.59% | 15% |
| Loan-to-Share Ratio | 37.72% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $3.6M | 202 |
| 2024Q4 | $3.6M | 195 |
| 2023Q4 | $3.4M | 194 |
Credit Union Details
- Charter Number
- 63903
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Oregon
- City
- PORTLAND
- Data Quarter
- 2025Q4
What This Data Says About Radio Cab
Radio Cab is a state credit union headquartered in PORTLAND, Oregon, serving 202 members with $3.6M in total assets and $1.0M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 80/100 (Excellent), anchored by a net worth ratio of 23.19% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #63903 operates under peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
2.09% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers. Deposit deployment is captured by the 37.72% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.62% on net income of $23K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 3.59%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Oregon
More federally-insured credit unions based in Oregon, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Radio Cab financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Radio Cab carries a financial health score of 80/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 23.19% net worth ratio and a 2.09% delinquency rate.
How does Radio Cab compare to other credit unions?
Radio Cab scores 80/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Radio Cab?
Membership eligibility for Radio Cab depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Radio Cab directly for current membership requirements and application steps.
Is my money safe at Radio Cab?
Federal credit unions like Radio Cab 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. Radio Cab's net worth ratio of 23.19% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Radio Cab offer compared to banks?
Credit unions like Radio Cab 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 Radio Cab directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.