State overview · Q4 2025

Oregon Credit Unions

All 48 federally-insured credit unions in Oregon, ranked by financial health, from NCUA 5300 Call Reports.

48
Credit unions
2.4M
Members
$38.5B
Combined assets
84/100
Avg health
48 CUs · avg health 84/100

Oregon has 48 federally insured credit unions averaging 84/100 health on NCUA 5300 Call Report aggregates. Combined assets $38.5B; 35 score Excellent (80+). State leader: Cascade Community at 100/100.

  • Mean delinquency rank #25 of 52 (lower DQ better)
  • Mean ROA rank #21 of 52
  • Data vintage 2026-09-06

Oregon vs all states by credit-union count

Where this state's federally insured CU count sits among every state and D.C. on PlainCU

48 33rd of 54 higher than 19 of 54 states

States and D.C., banded by federally insured credit-union count

Each bar is a band; taller bars hold more states. 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 · Q4 2025

Health-score distribution

How Oregon's 48 credit unions split across the four health bands. Source: NCUA 5300 Call Report, Q4 2025.

Excellent (80–100)35 CUsGood (60–79)12 CUsFair (40–59)1 CUsWeak (<40)0 CUs

Oregon Call Report component averages

Mean NCUA 5300 ratios across 48 federally insured credit unions in Oregon, plus national ordinals among 52 jurisdictions with ≥5 scored charters. Registry figures only, not advice on where to bank.

Mean delinquency
1.12%
National rank #25 of 52 · lower DQ better
Mean ROA
0.62%
National rank #21 of 52
Mean loan-to-share
76.7%
Mean net worth 13.2% · well-capitalized (≥7%) 100.0%
Largest CU share of state assets
24.8%
Dispersed book, largest charter holds under 25% of combined Oregon CU assets · concentration rank #29 of 52 (lower share = more dispersed) · largest by assets on this board: Onpoint Community

A national sample of U.S. jurisdictions' credit-union sectors, positioned by mean net worth ratio (capital cushion) against mean delinquency rate (asset quality). Oregon is highlighted. The crosshair splits states at the MEDIAN net worth ratio (14.0%) and the median delinquency rate (1.20%) computed across all 52 scored jurisdictions, not just the 30 plotted here, and not a simple midpoint of the range.

Oregon vs. a national sample of states' credit-union sectors

Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, Oregon highlighted. 2×2 strategic matrix plotting 30 entities by Net worth ratio (X) and Delinquency rate (Y), with a crosshair dividing the plot into four quadrants. Capitalized but RiskyWeakest PositionStrongest PositionLean but Clean 10%12%14%16%18%20% 0%0.5%1%1.5%2%2.5%3% Net worth ratio Delinquency rate Oregon vs. a national sample of states' credit-union sectors AL - 16.25%, 1.743%AK - 11.69%, 0.876%AR - 16.34%, 1.809%CO - 11.98%, 1.045%DE - 15.7%, 1.799%DC - 14.99%, 2.364%GA - 15.97%, 1.181%ID - 11.55%, 0.89%IN - 14.73%, 1.306%IA - 15.09%, 1.429%KY - 14.12%, 1.121%ME - 11.58%, 0.818%MA - 14.25%, 0.901%MI - 12.62%, 0.909%MS - 17.86%, 2.688%MT - 12.19%, 0.9%NV - 12.18%, 0.832%NH - 11.15%, 0.746%NM - 14.09%, 1.009%NC - 14.51%, 2.08%OH - 13.65%, 1.573%OK - 13.44%, 1.238%RI - 12.53%, 0.533%SD - 12.58%, 0.791%TX - 15.62%, 1.279%VI - 15.23%, 1.532%VT - 11.83%, 1.399%WA - 12.92%, 0.882%WI - 13.48%, 1.468%OR - 13.17%, 1.122%
Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, Oregon highlighted.

All Credit Unions in Oregon

Credit Union Health
Cascade Community Roseburg 100
Umatilla County Pendleton 100
Ibew/Sj Cascade Salem 99
Oregon State Corvallis 98
Pacific Crest Klamath Falls 98
South Coast Ilwu NORTH BEND 97
Benton County Schools Corvallis 96
CONSOLIDATED PORTLAND 96
ROGUE Medford 96
Onpoint Community Portland 95
Emerald Empire Springfield 94
Eweb Employees Eugene 94
Selco Community Springfield 94
Northwest Adventist Portland 91
Pacific N W PORTLAND 91
First Community Coquille 90
Marion and Polk Schools Salem 89
Central Willamette Albany 88
United Trades TUALATIN 88
EMBOLD Oregon City 87
Unitus Community Tigard 87
Castparts Employees Portland 86
GATEWAY Springfield 85
Nw Preferred TIGARD 84
SUNSET PORTLAND 84
Ibew & United Workers PORTLAND 83
Mid Oregon Bend 83 †
Oregon Community Eugene 83
Kaiperm Northwest Portland 82
Point West Portland 82
Ironworkers USA Portland 81
Heritage Grove Salem 80
Old West JOHN DAY 80
Radio Cab PORTLAND 80
WAUNA Clatskanie 80
OREGONIANS Milwaukie 79
OPC Durkee 78
INROADS Saint Helens 76
Pacific Cascade EUGENE 76
44 North Lebanon 72
Nw Priority Portland 69
Teamsters Council #37 Portland 68
FORRIT Clackamas 67
Cutting Edge Milwaukie 66
TRAILHEAD PORTLAND 65
VALLEY SALEM 65
Rivermark Community Oregon City 61
Machinists - Boilermakers Gladstone 52

† Score computed from fewer than five NCUA-reported metrics for this credit union (one or more figures unavailable this quarter); the remaining pillar weights are renormalized so the composite stays on the same 0-100 scale. See methodology.

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.

What This Data Says About Credit Unions in Oregon

Oregon is home to 48 federally-insured credit unions collectively serving 2.4M members with $38.5B in combined assets, based on the most recent NCUA 5300 Call Report (Q4 2025). The state's average health score of 84/100 reflects the blended performance of every charter operating within its borders, state-chartered, federally-chartered, community, employer-based, and multi-SEG credit unions alike. Cascade Community of Roseburg currently leads the cohort with a health score of 100/100, while the full distribution spans 48 institutions ranked below.

The health distribution breaks into four bands: 35 credit unions score 80–100 (Excellent), 12 score 60–79 (Good), 1 score 40–59 (Fair), and 0 fall below 40 (Weak). These scores are a weighted composite of five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), year-over-year member growth (15%), and loan-to-share ratio (15%). A small number of institutions above (marked †) are missing one or more of these inputs this quarter; their composite is renormalized over the pillars actually reported, on the same 0–100 scale. A score in the Excellent band typically indicates a net worth ratio comfortably above the 7.0% NCUA "well capitalized" floor, sub-1% delinquency, positive ROA, and a loan-to-share ratio inside the 60–80% balanced-liquidity window. Fair and Weak institutions are not necessarily in distress, NCUA supervises all federally-insured credit unions through CAMEL ratings and Prompt Corrective Action triggers, but the composite signals where financial buffers are thinner than peers.

Every credit union on this page carries NCUSIF deposit insurance up to $250,000 per depositor per ownership category, administered by the National Credit Union Administration, identical coverage to FDIC insurance at banks. Membership eligibility varies by charter: community charters serve anyone living, working, worshiping, or attending school in a defined geography, while employer-based and associational charters require a specific common bond. Rates, fees, and product offerings also vary widely across Oregon's 48 institutions, so prospective members should verify current terms directly with each credit union before opening accounts or applying for loans. This page is informational only, reflects quarterly reported NCUA data (not real-time financials), and is not financial advice or a solicitation to join any specific institution.

Nationwide states with similar credit-union assets or inventory

Two NCUA Call Report peer sets for Oregon: nearest jurisdictions by combined federally-insured credit-union assets and by credit-union count. These are cross-state neighborhoods, not the in-state CU list above.

Similar combined assets

Nearest states by total credit-union assets ($38.5B here).

Maryland $39.3B Alabama $39.4B Georgia $37.1B Iowa $34.7B

Similar credit-union inventory

Nearest states by federally-insured credit-union count (48 here).

Arkansas 48 CUs Maine 48 CUs Nebraska 50 CUs South Carolina 46 CUs

Frequently Asked Questions

How many credit unions are in Oregon?

There are 48 federally-insured credit unions in Oregon as of Q4 2025, with a combined 2.4M members and $38.5B in total assets. That places Oregon at #21 of 54 among U.S. jurisdictions by combined credit-union assets. On average health score, Oregon ranks #18 of 54. All data is sourced from the NCUA 5300 Call Report.

What is the healthiest credit union in Oregon?

Based on NCUA Q4 2025 data, Cascade Community in Roseburg ranks highest in Oregon with a health score of 100/100. Health scores combine net worth ratio, delinquency rate, return on assets, member growth, and loan-to-share ratio.

Are credit unions safer than banks?

Credit unions are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per account, the same insurance limit as FDIC-insured banks. Credit unions are member-owned nonprofits, which means profits are returned to members as lower fees and better rates rather than to shareholders. Both institution types offer equivalent deposit protection.

Using Oregon's data

  • Cascade Community in Roseburg is the healthiest scored credit union in Oregon at 100/100 -- look up its full composite before assuming it fits your situation. View full profile
  • Oregon's credit unions rank #25 of 52 nationally on delinquency rate (mid-pack) and #21 of 52 on return on assets (mid-pack) -- both factor into the health score above, but they can move independently. National health rankings
  • Oregon ranks #18 of 54 by average health score and #21 of 54 by combined credit-union assets among U.S. states -- see how other states compare before assuming this one is typical. State overviews

Figures are composite scores and averages built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.

Read our methodology - how this data is sourced, computed, and verified.