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
Call Report peers
Umatilla County in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Umatilla County vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Umatilla County sits in 100 with 34 others.
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 vs $10M–$50M peers
- Loan-to-Share Ratio leads the peer set - 77.49% here, 59.80% peer average (+17.69 pp).
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.
- No Oregon credit union scores higher; the runner-up, Cascade Community (#2) ties at 100/100.
How Umatilla County's 5300 filing moved
Umatilla County: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.0% from $48.3M (2025Q4) to $48.3M (2026Q1).
- Net-worth ratio shifted +0.07 pp (18.29% → 18.36%).
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
Every pillar scores full marks, so all five contribute their maximum.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Umatilla County financially healthy?
Umatilla County has a financial health score of 100/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #7 of 4,374 nationally on health and #1 of 48 in Oregon. Its net worth ratio is 18.36% and its delinquency rate 0.32%.
How does Umatilla County compare to other credit unions?
Umatilla County scores 100/100, higher than 99% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (77.49% vs 59.80%).
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?
Umatilla County 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. Umatilla County's net worth ratio of 18.36% 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.