Federal credit union · Clatskanie, Oregon · NCUA charter #17990
WAUNA
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $409.7M
- Total assets
- 26,648
- Members
- 9.0%
- Net-worth ratio
WAUNA scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $409.7M; members 26,648; net-worth ratio 8.99%; health rank #2,787 of 4,374; healthier than 36th of scored peers.
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NCUA 5300 Call Report Masthead
#2,787 of 4,374 health · 2025Q4WAUNA · health 80/100 · $409.7M · 2025Q4
Call Report peers
WAUNA in the assets neighbourhood
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WAUNA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); WAUNA sits in 80-84 with 767 others.
80 36th percentile higher than 36% 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
Peer-gap read for WAUNA
- Loan-to-Share Ratio leads the peer set - 86.43% here, 72.20% peer average (+14.23 pp).
- Largest lag: Net Worth Ratio at 8.99% vs peer 12.11% (-3.12 pp).
WAUNA in Oregon
- In Oregon, health place is #35 of 48 on the same NCUA-ratio sort used nationally.
- By total assets, WAUNA is #15 of 48 in Oregon.
- Oregon membership ordinal: #14 of 48.
- One place up in Oregon, Heritage Grove (#34) ties at 80/100; one place down, OREGONIANS (#36) scores 79/100, 1 point lower.
WAUNA: 2025Q4 → 2026Q1
WAUNA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -2.4% from $409.7M (2025Q4) to $400.1M (2026Q1).
- Net-worth ratio shifted +0.29 pp (8.70% → 8.99%).
8.99% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 80/100 score is built
WAUNA gives up 20 points in total. Return on Assets costs the most, 7.5 of its 15; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 27.5 pts
- Delinquency Rate 20.1 pts
- Return on Assets 7.5 pts
- Member Growth 10.1 pts
- Loan-to-Share Ratio 14.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.99% | -3.12 pp |
| Delinquency Rate | 0.99% | +0.10 pp |
| Return on Assets | 0.07% | -0.56 pp |
| Member Growth | 0.88% | - |
| Loan-to-Share Ratio | 86.43% | +14.23 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
WAUNA filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $400.1M | - |
| 2025Q4 | $409.7M | 26,648 |
| 2024Q4 | $430.0M | 26,415 |
| 2023Q4 | $429.1M | 25,680 |
Credit Union Details
- Charter Number
- 17990
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Oregon
- City
- Clatskanie
- Data Quarter
- 2025Q4
Branch Locations (8)
The NCUA branch filing lists 8 physical offices for WAUNA, spread across 7 cities.
| Office | City |
|---|---|
| Corporate (Main Office) | Clatskanie, OR |
| Astoria | Astoria, OR |
| Clatskanie | Clatskanie, OR |
| Forest Grove | Forest Grove, OR |
| St. Helens | Saint Helens, OR |
| Scappoose | Scappoose, OR |
| Vernonia | Vernonia, OR |
| Warrenton | Warrenton, OR |
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.
Cross-state Call Report peers for WAUNA
Using this data
- WAUNA ranks #2,787 of 4,374 nationally on financial health and #35 of 48 in OR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Pacific Crest is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Pacific Crest
Frequently Asked Questions
Is WAUNA financially healthy?
On its 2025Q4 NCUA 5300 filing, WAUNA scores 80/100 (Excellent), with a 8.99% net worth ratio and 0.99% of loans delinquent. It ranks #2,787 of 4,374 nationally on health and #35 of 48 in Oregon.
How does WAUNA compare to other credit unions?
WAUNA scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (86.43% vs 72.20%). Its widest shortfall is net worth ratio (8.99% vs 12.11%).
How can I join WAUNA?
WAUNA 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 WAUNA directly for the exact boundaries and application steps.
Is my money safe at WAUNA?
WAUNA 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. WAUNA's net worth ratio of 8.99% 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.