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
- CAMELS 65/100
- HEALTH 9.2%
- NW 3.03%
- DELQ 0.16%
- ROA $156.4M
- ASSETS 8,532
- MEM #3,884/4,374
- RANK ARAPAHOE
- PHOTO 644
Call Report peers
TRAILHEAD in the assets neighbourhood
TRAILHEAD's $156.4M assets sit next to ARAPAHOE ($156.5M) 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.
TRAILHEAD 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
65 11th percentile higher than 11% 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
TRAILHEAD - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #644, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for OR only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
TRAILHEAD Call Report trajectory
TRAILHEAD: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.6% from $156.4M (2025Q4) to $155.5M (2026Q1).
- Net-worth ratio shifted -0.95 pp (10.13% → 9.18%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 65.
- 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 |
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).
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
Cross-state asset and health neighbours for TRAILHEAD - kept outside Oregon; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($156.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (65/100 here).
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
- 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 TRAILHEAD financially healthy?
Yes/no aside, the number is 65/100 (Good) - TRAILHEAD's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,884 of 4,374; by total assets it ranks #1,465 of 4,374 nationally (same basis as /rankings/largest); and #25 of 48 within Oregon. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.18% net worth ratio and 3.03% delinquency rate are the key drivers.
How does TRAILHEAD compare to other credit unions?
PlainCU's health composite puts TRAILHEAD at 65/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 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?
Federal credit unions like TRAILHEAD 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. TRAILHEAD's net worth ratio of 9.18% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does TRAILHEAD offer compared to banks?
Credit unions like TRAILHEAD 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 TRAILHEAD 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.