State credit union · Tigard, Oregon · NCUA charter #63440
Unitus Community
Health score 88/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $1.74B
- Total assets
- 106,216
- Members
- 10.1%
- Net-worth ratio
Unitus Community - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #63440. See our deposit-insurance coverage note.
Unitus Community - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)96
- Earnings (ROA)62
- Member growth66
- Liquidity (loan-to-share)98
Weighted composite: 88/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 10.11% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.11% | 30% |
| Delinquency Rate | 0.60% | 25% |
| Return on Assets | 0.12% | 15% |
| Member Growth | 0.79% | 15% |
| Loan-to-Share Ratio | 90.71% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $1.74B | 106,216 |
| 2024Q4 | $1.72B | 105,388 |
| 2023Q4 | $1.72B | 104,933 |
Credit Union Details
- Charter Number
- 63440
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Oregon
- City
- Tigard
- Data Quarter
- 2025Q4
What This Data Says About Unitus Community
Charter #63440, peer group Over $500M, a cohort of 749 similarly-sized institutions: that's Unitus Community, a state credit union in Tigard, Oregon with 106,216 members, $1.74B in total assets, and $1.38B in outstanding loans as of Q4 2025. The five-factor composite scores it 88/100 (Excellent), helped by a net worth ratio of 10.11% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Loan book quality rounds out the picture. The delinquency rate of 0.60% measures loans 60+ days past due against total loans outstanding - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. The loan-to-share ratio of 90.71% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.12% on net income of $2.2M 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 0.79%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Oregon
More federally-insured credit unions based in Oregon, ordered by peer group match 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 Unitus Community financially healthy?
Unitus Community scores 88/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.11% net worth ratio and a 0.60% delinquency rate.
How does Unitus Community compare to other credit unions?
Five weighted metrics from NCUA filings produce Unitus Community's 88/100 score on PlainCU's health composite, compared to a peer group average for Over $500M 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 Unitus Community?
Membership eligibility for Unitus Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Unitus Community directly for current membership requirements and application steps.
Is my money safe at Unitus Community?
Federal credit unions like Unitus Community 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. Unitus Community's net worth ratio of 10.11% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Unitus Community offer compared to banks?
Credit unions like Unitus Community 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 Unitus Community 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.