Central Willamette Credit Union Albany, Oregon
Central Willamette Credit Union is a state-chartered credit union headquartered in Albany, OR, established in 1955 (NCUA charter 62665), and it is regulated and insured by the NCUA. At Q2 2026 it reported 37,367 members and total assets of $617.6M (up 2.3% from Q2 2025), the 12th largest of 47 credit unions headquartered in Oregon. Its net worth ratio was 14.39% at Q2 2026, in the well capitalized band.
Also written as Central Willamette CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 62665
- Headquarters
- Albany, OR
- Established
- 1955
- Total assets, Q2 2026
- $617.6M
- Assets vs Q2 2025
- +2.3%
- Members, Q2 2026
- 37,367
- Net worth ratio, Q2 2026
- 14.39%
- Latest call report
- Q2 2026, NCUA 5300 · Central Willamette Credit Union call report
- Asset rank in state
- 12th of 47 in Oregon
- Routing number
- 323274076
- Branches
- 11
It has 287 fewer members than on June 30, 2025 (-0.8%). Its net worth ratio was up 0.43 percentage points from 13.96% on June 30, 2025. Used vehicle loans are its largest loan category, $120.0M of $438.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.02% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 14.39% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in Oregon
Credit unions merged into Central Willamette Credit Union
Laneco Federal Credit Union (2024)
Frequently asked about Central Willamette Credit Union
How big is Central Willamette Credit Union?
At Q2 2026 it reported total assets of $617.6M and 37,367 members.
Where is Central Willamette Credit Union headquartered?
It is headquartered in Albany, OR, United States.
When was Central Willamette Credit Union founded?
It was established in 1955, per NCUA records.
Is Central Willamette Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 62665): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Central Willamette Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Central Willamette Credit Union well capitalized?
Its net worth ratio was 14.39% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Central Willamette Credit Union's delinquency ratio?
Its delinquency ratio was 1.02% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Central Willamette Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 83.36% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Albany, OR 97321
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1955
- NCUA Charter #
- 62665
- RSSD ID
- 833598
- Members
- 37,367
- Potential members
- 4,018,771
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 14.39% | 11.43% | 80th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.36% | 0.81% | 79th top |
| Return on equity Middle half of peers: 3.87% to 9.84% | 9.45% | 7.02% | 72nd above |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 4.02% | 3.70% | 70th above |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 76.33% | 76.55% | 51st above |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.02% | 1.24% | 67th above |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 1.02% | 0.68% | 31st below |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.04% | 4.92% | 57th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 83.36% | 75.66% | 68th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$617.6M total assets against $603.9M; $525.4M total shares and deposits against $517.0M; $438.0M total loans against $444.5M.
$88.9M net worth against $84.3M.
14.39% net worth ratio against 13.96%.
83.36% loan-to-share ratio against 85.97%.
1.02% delinquency ratio against 1.10%.
1.36% return on assets against 0.86%; 9.45% return on equity against 6.17%.
4.02% net interest margin against 4.16%.
37,367 members against 37,654.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 14.39% | 1.36% | 1.02% | 83.36% |
| March 31, 2026 | 14.13% | 0.70% | 1.23% | 84.23% |
| December 31, 2025 | 13.98% | 0.41% | 1.36% | 85.19% |
| September 30, 2025 | 13.95% | 0.46% | 1.13% | 87.17% |
| June 30, 2025 | 13.96% | 0.86% | 1.10% | 85.97% |
| March 31, 2025 | 13.71% | 0.50% | 1.26% | 79.63% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.