Cutting Edge Federal Credit Union Milwaukie, Oregon
Cutting Edge Federal Credit Union is a federal credit union headquartered in Milwaukie, OR, established in 1953 (NCUA charter 8317), and it is regulated and insured by the NCUA. At Q2 2026 it reported 3,873 members and total assets of $53.1M (down 2.4% from Q2 2025), the 37th largest of 47 credit unions headquartered in Oregon. Its net worth ratio was 9.39% at Q2 2026, in the well capitalized band.
Also written as Cutting Edge FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 8317
- Headquarters
- Milwaukie, OR
- Established
- 1953
- Total assets, Q2 2026
- $53.1M
- Assets vs Q2 2025
- -2.4%
- Members, Q2 2026
- 3,873
- Net worth ratio, Q2 2026
- 9.39%
- Latest call report
- Q2 2026, NCUA 5300 · Cutting Edge Federal Credit Union call report
- Asset rank in state
- 37th of 47 in Oregon
- Routing number
- 323274788
- Branches
- 2
It has 40 more members than on June 30, 2025 (+1.0%). Its net worth ratio was down 0.73 percentage points from 10.12% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $6.1M of $19.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.24% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 9.39% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Oregon
Frequently asked about Cutting Edge Federal Credit Union
How big is Cutting Edge Federal Credit Union?
At Q2 2026 it reported total assets of $53.1M and 3,873 members.
Where is Cutting Edge Federal Credit Union headquartered?
It is headquartered in Milwaukie, OR, United States.
When was Cutting Edge Federal Credit Union founded?
It was established in 1953, per NCUA records.
Is Cutting Edge Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 8317): 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 Cutting Edge Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Cutting Edge Federal Credit Union well capitalized?
Its net worth ratio was 9.39% 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 Cutting Edge Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.24% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Cutting Edge Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 40.94% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Milwaukie, OR 97222
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1953
- NCUA Charter #
- 8317
- RSSD ID
- 466987
- Members
- 3,873
- Potential members
- 34,361
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 9.39% | 14.31% | 12th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.00% | 0.72% | 22nd bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -0.03% | 4.74% | 22nd bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.59% | 3.93% | 36th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 99.86% | 79.83% | 16th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.80% | 0.78% | 49th below |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.24% | 0.86% | 82nd top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.38% | 4.70% | 34th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 40.94% | 58.92% | 23rd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$53.1M total assets against $54.4M; $47.1M total shares and deposits against $48.4M; $19.3M total loans against $19.8M.
$5.0M net worth against $5.5M.
9.39% net worth ratio against 10.12%.
40.94% loan-to-share ratio against 40.90%.
0.24% delinquency ratio against 0.65%.
-0.00% return on assets against -0.13%; -0.03% return on equity against -1.24%.
3.59% net interest margin against 3.27%.
3,873 members against 3,833.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.39% | 0.00% | 0.24% | 40.94% |
| March 31, 2026 | 9.63% | 0.20% | 1.11% | 41.06% |
| December 31, 2025 | 9.78% | -3.60% | 1.06% | 42.95% |
| September 30, 2025 | 10.29% | -0.32% | 0.93% | 41.11% |
| June 30, 2025 | 10.12% | -0.13% | 0.65% | 40.90% |
| March 31, 2025 | 10.00% | -0.42% | 0.78% | 40.90% |
Scroll sideways to see every column.
Watch flags
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
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.