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Oregon Credit Union Performance
How the 47 credit unions based in Oregon are performing — size, membership, earnings, capital, growth and loan quality — measured against every U.S. credit union, straight from the public NCUA Call Report.
NCUA data through Q1 2026.
Oregon's 47 credit unions serve 2,406,156 members and hold $39.64B in combined assets. The median Oregon credit union earned a 0.63% return on average assets over the past year, compared with 0.66% for the median U.S. credit union. Median one-year membership growth among Oregon credit unions was 0.30%, compared with -0.55% nationally. Median one-year asset growth was 1.16%, compared with 2.78% nationally. Figures are from the Q1 2026 NCUA Call Report.
Oregon at a glance
Oregon vs. the United States
System totals are the sum of every credit union based in Oregon. The share column is Oregon's portion of the national figure.
| Measure | Oregon | United States | Oregon share |
|---|---|---|---|
| Credit unions | 47 | 4,335 | 1.1% |
| Members | 2,406,156 | 147,031,529 | 1.6% |
| Residents (population) | 4,272,371 | 340,110,988 | 1.3% |
| Total assets | $39.64B | $2,507.50B | 1.6% |
| Total loans | $27.18B | $1,744.86B | 1.6% |
| Total shares & deposits | $33.97B | $2,143.21B | 1.6% |
| Total net worth | $4.78B | $282.23B | 1.7% |
| Mergers year-to-date | 0 | 27 | — |
Membership reach. Oregon credit unions report about 56 memberships for every 100 residents, vs 43 nationally — a rough measure of how deeply credit unions reach the population. (This counts memberships, not unique people: one person can belong to more than one credit union, and large Oregon credit unions serve members in other states, so it overstates true in-state penetration.)
The median Oregon credit union
Ratios and growth describe the typical (median) credit union in each place — a robust, outlier-resistant figure — not a single giant institution. Each is computed with the same disclosed equations used across CUNinjas.
| Metric | Median Oregon CU | Median U.S. CU |
|---|---|---|
| Return on assets | 0.63% | 0.66% |
| Net worth ratio | 12.75% | 12.44% |
| Loan-to-share ratio | 76.67% | 67.86% |
| Delinquency ratio | 0.97% | 0.63% |
| Net charge-off ratio | 0.49% | 0.33% |
| Cost of funds | 0.97% | 1.05% |
| Member growth (1 yr) | 0.30% | -0.55% |
| Asset growth (1 yr) | 1.16% | 2.78% |
| Loan growth (1 yr) | 0.04% | 0.63% |
| Share growth (1 yr) | 0.40% | 2.36% |
| Net worth growth (1 yr) | 5.30% | 5.57% |
Trends over time
The median Oregon credit union (solid) vs. the median U.S. credit union (dashed), by year.
Return on assets 0.66% · 0.72%
— Oregon ‑‑ U.S.
Net worth ratio 12.04% · 12.46%
— Oregon ‑‑ U.S.
Loan-to-share ratio 77.69% · 69.70%
— Oregon ‑‑ U.S.
Delinquency ratio 0.99% · 0.72%
— Oregon ‑‑ U.S.
Asset growth (1 yr) 0.54% · 3.26%
— Oregon ‑‑ U.S.
Member growth (1 yr) 0.75% · -0.52%
— Oregon ‑‑ U.S.
Oregon leaderboards
Largest by assets
- 1 OnPoint Community Credit Union $9.65B
- 2 Rogue Credit Union $4.29B
- 3 Oregon Community Credit Union $3.57B
- 4 Rivermark Community Credit Union $3.24B
- 5 SELCO Community Credit Union $2.98B
- 6 OSU Credit Union $2.73B
- 7 Marion and Polk Schools Credit Union $1.82B
- 8 First Community Credit Union $1.81B
- 9 Unitus Community Credit Union $1.81B
- 10 Mid Oregon Credit Union $877.7M
Highest return on assets
- 1 Cascade Community Credit Union 2.42%
- 2 First Community Credit Union 1.50%
- 3 Sunset Science Park Credit Union 1.47%
- 4 Castparts Employees Credit Union 1.35%
- 5 OnPoint Community Credit Union 1.33%
- 6 Marion and Polk Schools Credit Union 1.29%
- 7 Oregon Community Credit Union 1.16%
- 8 Pacific Northwest Ironworkers Credit Union 1.16%
- 9 Rogue Credit Union 1.16%
- 10 Consolidated Credit Union 0.97%
Fastest-growing (organic)
- 1 Marion and Polk Schools Credit Union 26.32%
- 2 Pacific Northwest Ironworkers Credit Union 12.45%
- 3 Old West Credit Union 8.28%
- 4 Pacific Crest Credit Union 7.26%
- 5 NW Preferred Credit Union 5.78%
- 6 First Community Credit Union 5.72%
- 7 Cascade Community Credit Union 5.56%
- 8 SELCO Community Credit Union 5.40%
- 9 Unitus Community Credit Union 4.13%
- 10 Benton County Schools Credit Union 3.58%
Leaderboards rank credit unions above $50M in assets on positive measures only (return on assets and organic asset growth, excluding merger-driven jumps); the largest board has no size floor.
Method. Compiled from public NCUA 5300 Call Report data (Q1 2026), covering federally insured credit unions headquartered in Oregon that filed for the quarter. System totals are exact sums; ratios and growth are the median credit union in each place, computed through the same disclosed equations used across CUNinjas (a credit union that branches across state lines is counted only in its home state). Cells for a group of fewer than three credit unions are withheld. Population figures are U.S. Census Bureau Vintage 2024 estimates. Not affiliated with the NCUA.