Federal credit union · NORTH BEND, Oregon · NCUA charter #9376
South Coast Ilwu
Health score 97/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $18.2M
- Total assets
- 1,055
- Members
- 16.8%
- Net-worth ratio
South Coast Ilwu - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #9376 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
South Coast Ilwu - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth85
- Liquidity (loan-to-share)92
Weighted composite: 97/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 16.80%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 16.80% | 30% |
| Delinquency Rate | 0.03% | 25% |
| Return on Assets | 1.74% | 15% |
| Member Growth | 3.13% | 15% |
| Loan-to-Share Ratio | 64.77% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $18.2M | 1,055 |
| 2024Q4 | $17.7M | 1,023 |
| 2023Q4 | $18.4M | 1,036 |
Credit Union Details
- Charter Number
- 9376
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $10M–$50M
- State
- Oregon
- City
- NORTH BEND
- Data Quarter
- 2025Q4
What This Data Says About South Coast Ilwu
South Coast Ilwu is a federal credit union headquartered in NORTH BEND, Oregon, serving 1,055 members with $18.2M in total assets and $9.6M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 97/100 (Excellent), anchored by a net worth ratio of 16.80% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #9376 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Two more numbers round out the picture: a 0.03% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers - and a 64.77% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 1.74% on net income of $315K 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 3.13%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other/Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Oregon
Other federally-insured credit unions in Oregon, closest first by peer group 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 South Coast Ilwu financially healthy?
A 16.80% net worth ratio and a 0.03% delinquency rate feed into South Coast Ilwu's financial health score of 97/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does South Coast Ilwu compare to other credit unions?
97/100 is South Coast Ilwu's score on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 South Coast Ilwu?
South Coast Ilwu 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 South Coast Ilwu directly for the exact boundaries and application steps.
Is my money safe at South Coast Ilwu?
Federal credit unions like South Coast Ilwu 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. South Coast Ilwu's net worth ratio of 16.80% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does South Coast Ilwu offer compared to banks?
Credit unions like South Coast Ilwu 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 South Coast Ilwu 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.