State credit union · Tigard, Oregon · NCUA charter #63440
Unitus Community
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $1.74B
- Total assets
- 106,216
- Members
- 9.8%
- Net-worth ratio
Unitus Community scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.74B; members 106,216; net-worth ratio 9.78%; health rank #1,698 of 4,374; healthier than 60th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,698 of 4,374 health · 2025Q4Unitus Community · health 87/100 · $1.74B · 2025Q4
- ROA 87/100
- ASSETS 9.8%
- MEM 0.60%
- RANK 0.12%
- PHOTO $1.74B
- BOOK 106,216
- CHARTER #1,698/4,374
- NCUSIF St. Mary's Bank
- CAMELS 63440
Call Report peers
Unitus Community in the assets neighbourhood
Unitus Community's $1.74B assets sit next to St. Mary's Bank ($1.74B) 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.
Unitus Community 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
87 Top 40% higher than 60% 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
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 vs Over $500M peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +6.81 pp (90.71% vs 83.90%).
- Widest shortfall vs peers is Net Worth Ratio: -1.40 pp (9.78% vs 11.18%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Unitus Community sits in Oregon
- Oregon health ordinal: #21 of 48.
- Oregon assets place: #7 of 48.
- Membership ranks #7 of 48 among Oregon CUs with a reported count (106,216 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.
Unitus Community Call Report trajectory
Unitus Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.8% from $1.74B (2025Q4) to $1.81B (2026Q1).
- Net-worth ratio shifted -0.33 pp (10.11% → 9.78%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.78% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 29.4 pts
- Delinquency Rate 24.0 pts
- Return on Assets 9.4 pts
- Member Growth 9.9 pts
- Loan-to-Share Ratio 14.3 pts
Call Report ratios for Unitus Community
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.78% | -1.40 pp |
| Delinquency Rate | 0.60% | -0.27 pp |
| Return on Assets | 0.12% | -0.38 pp |
| Member Growth | 0.79% | - |
| Loan-to-Share Ratio | 90.71% | +6.81 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Unitus Community filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.81B | - |
| 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
Branch Locations (12)
Unitus Community operates 12 offices across 8 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| UCCU-Tigard (Main Office) | Tigard, OR |
| UCCU-Cedar Hills | Beaverton, OR |
| UCCU-Clackamas | Clackamas, OR |
| UCCU-Gresham | Gresham, OR |
| UCCU-Tanasbourne | Hillsboro, OR |
| UCCU-Cascade | Portland, OR |
| UCCU-N Williams | Portland, OR |
| UCCU-Multnomah Village | Portland, OR |
| UCCU-Westmoreland | Portland, OR |
| UCCU-Salem | Salem, OR |
| UCCU-Bridgeport | Tigard, OR |
| UCCU-Mill Plain | Vancouver, WA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Oregon
More federally-insured credit unions based in Oregon, ordered by peer group match and asset size.
Cross-state Call Report peers for Unitus Community
Two NCUA Call Report peer sets for Unitus Community, both outside Oregon so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.74B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- Unitus Community ranks #1,698 of 4,374 nationally on financial health and #21 of 48 in OR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First Community
- 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 Unitus Community financially healthy?
Unitus Community scores 87/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,698 of 4,374; by total assets it ranks #287 of 4,374 nationally (same basis as /rankings/largest); and #7 of 48 within Oregon. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.78% 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 87/100 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 9.78% 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.
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.