Federal credit union · PORTLAND, Oregon · NCUA charter #644
TRAILHEAD
Health score 65/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $156.4M
- Total assets
- 8,532
- Members
- 9.2%
- Net-worth ratio
TRAILHEAD scores 65/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $156.4M; members 8,532; net-worth ratio 9.18%; health rank #3,884 of 4,374; healthier than 11th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,884 of 4,374 health · 2025Q4TRAILHEAD · health 65/100 · $156.4M · 2025Q4
Call Report peers
TRAILHEAD in the assets neighbourhood
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TRAILHEAD vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); TRAILHEAD sits in 65-69 with 275 others.
65 11th percentile higher than 11% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where TRAILHEAD diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +2.05 pp (74.25% vs 72.20%).
- Widest shortfall vs peers is Net Worth Ratio: -2.93 pp (9.18% vs 12.11%).
Oregon standing for TRAILHEAD
- In Oregon, health place is #46 of 48 on the same NCUA-ratio sort used nationally.
- By total assets, TRAILHEAD is #25 of 48 in Oregon.
- Membership ranks #26 of 48 among Oregon CUs with a reported count (8,532 members).
- One place up in Oregon, VALLEY (#45) ties at 65/100; one place down, Rivermark Community (#47) scores 61/100, 4 points lower.
TRAILHEAD Call Report trajectory
TRAILHEAD: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.6% from $156.4M (2025Q4) to $155.5M (2026Q1).
- Net-worth ratio shifted -0.95 pp (10.13% → 9.18%).
9.18% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 65/100 score is built
TRAILHEAD gives up 35 points in total. Delinquency Rate costs the most, 18.9 of its 25; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 28.0 pts
- Delinquency Rate 6.1 pts
- Return on Assets 9.8 pts
- Member Growth 6.1 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for TRAILHEAD
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.18% | -2.93 pp |
| Delinquency Rate | 3.03% | +2.13 pp |
| Return on Assets | 0.16% | -0.47 pp |
| Member Growth | -1.61% | - |
| Loan-to-Share Ratio | 74.25% | +2.05 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
TRAILHEAD filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $155.5M | - |
| 2025Q4 | $156.4M | 8,532 |
| 2024Q4 | $163.2M | 8,672 |
| 2023Q4 | $167.7M | 8,839 |
Credit Union Details
- Charter Number
- 644
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Oregon
- City
- PORTLAND
- Data Quarter
- 2025Q4
Branch Locations (3)
TRAILHEAD operates 3 offices in Portland, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Trailhead CU (Main Office) | Portland, OR |
| Mississippi Branch | Portland, OR |
| Division 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.
Other-state peers near TRAILHEAD
Similar total assets
Using this data
- TRAILHEAD ranks #3,884 of 4,374 nationally on financial health and #46 of 48 in OR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Heritage Grove is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Heritage Grove
Frequently Asked Questions
Is TRAILHEAD financially healthy?
TRAILHEAD has a financial health score of 65/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,884 of 4,374 nationally on health and #46 of 48 in Oregon. Its net worth ratio is 9.18% and its delinquency rate 3.03%.
How does TRAILHEAD compare to other credit unions?
TRAILHEAD scores 65/100, higher than 11% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (74.25% vs 72.20%). Its widest shortfall is net worth ratio (9.18% vs 12.11%).
How can I join TRAILHEAD?
TRAILHEAD 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 TRAILHEAD directly for the exact boundaries and application steps.
Is my money safe at TRAILHEAD?
TRAILHEAD is a federal 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. TRAILHEAD's net worth ratio of 9.18% 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.