Federal credit union · Pendleton, Oregon · NCUA charter #23986
Umatilla County
Health score 100/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 100
- Health / 100
- $48.3M
- Total assets
- 2,424
- Members
- 18.4%
- Net-worth ratio
Umatilla County scores 100/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $48.3M; members 2,424; net-worth ratio 18.36%; health rank #7 of 4,374; healthier than 99th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#7 of 4,374 health · 2025Q4Umatilla County · health 100/100 · $48.3M · 2025Q4
- NW 100/100
- DELQ 18.4%
- ROA 0.32%
- ASSETS 1.02%
- MEM $48.3M
- RANK 2,424
- PHOTO #7/4,374
- BOOK Central Valley Firefighters
- CHARTER 23986
Call Report peers
Umatilla County in the assets neighbourhood
Umatilla County's $48.3M assets sit next to Central Valley Firefighters ($48.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Umatilla County 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
100 Top 1% higher than 99% 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
Umatilla County - Share Insurance Coverage
Charter #23986's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Umatilla County vs $10M–$50M peers
- Loan-to-Share Ratio leads the peer set - 77.49% here, 59.80% peer average (+17.69 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Umatilla County sits in Oregon
- In Oregon, health place is #1 of 48 on the same NCUA-ratio sort used nationally.
- Assets rank #39 of 48 inside Oregon ($48.3M reported).
- Oregon membership ordinal: #41 of 48.
In-state ordinals use the live credit_unions table for OR only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Umatilla County's 5300 filing moved
Umatilla County: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.0% from $48.3M (2025Q4) to $48.3M (2026Q1).
- Net-worth ratio shifted +0.07 pp (18.29% → 18.36%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 18.36% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 100/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 100.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.0 pts
Umatilla County health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.36% | +3.50 pp |
| Delinquency Rate | 0.32% | -0.82 pp |
| Return on Assets | 1.02% | +0.31 pp |
| Member Growth | 5.90% | - |
| Loan-to-Share Ratio | 77.49% | +17.69 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - Umatilla County
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $48.3M | - |
| 2025Q4 | $48.3M | 2,424 |
| 2024Q4 | $48.7M | 2,289 |
| 2023Q4 | $56.4M | 2,403 |
Credit Union Details
- Charter Number
- 23986
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Oregon
- City
- Pendleton
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Umatilla County runs 2 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| Umatilla County F.C.U. (Main Office) | Pendleton, OR |
| Fiserv | Brookfield, WI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Oregon
A look at other Oregon credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Umatilla County - kept outside Oregon; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($48.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (100/100 here).
Using this data
- Umatilla County ranks #7 of 4,374 nationally on financial health and #1 of 48 in OR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Northwest Adventist is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Northwest Adventist
- 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 Umatilla County financially healthy?
Umatilla County has a financial health score of 100/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #7 of 4,374; by total assets it ranks #2,431 of 4,374 nationally (same basis as /rankings/largest); and #39 of 48 within Oregon. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 18.36% and delinquency rate of 0.32%.
How does Umatilla County compare to other credit unions?
Five weighted metrics from NCUA filings produce Umatilla County's 100/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Umatilla County?
Umatilla County 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 Umatilla County directly for the exact boundaries and application steps.
Is my money safe at Umatilla County?
Federal credit unions like Umatilla County 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. Umatilla County's net worth ratio of 18.36% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Umatilla County offer compared to banks?
Credit unions like Umatilla County 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 Umatilla County 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.