Credit Union Safety Analysis
Is E W E B Employees Federal Credit Union Safe? Eugene, Oregon
Based on its Q2 2026 NCUA 5300 call report, E W E B Employees Federal Credit Union has a net worth ratio of 13.59%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.12%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, E W E B Employees Federal Credit Union's net worth ratio is 13.59%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.59%
- Delinquency ratio (60+ days) (Q2 2026): 0.12%
- Return on assets (Q2 2026): 0.93%
- Loan-to-share ratio (Q2 2026): 55.04%
E W E B Employees Federal Credit Union (NCUA charter 9777, established 1954) reported $34.8M in assets and 1,446 members for Q2 2026 from Eugene, Oregon. It ranks 39 of 47 credit unions in Oregon by total assets. Total assets grew 2.1% from $34.1M on June 30, 2025. It has 47 more members than on June 30, 2025 (+3.4%). Its net worth ratio was up 0.44 percentage points from 13.15% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $8.7M of $16.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.12% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 13.28% for Q1 2026; 13.15% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.93% for Q1 2026; 1.48% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 53.71% for Q1 2026; 53.71% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $8.7M
- Used vehicle loans: $3.6M
- Other secured non-real estate loans and lines of credit: $1.7M
- New vehicle loans: $1.2M
- Unsecured credit card loans: $773K
- Other unsecured loans and lines of credit: $342K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $34.8M | 13.59% | 0.12% | 0.93% | 55.04% |
| March 31, 2026 | $35.0M | 13.28% | — | 0.93% | 53.71% |
| December 31, 2025 | $34.3M | 13.30% | 0.20% | 0.21% | 55.18% |
| September 30, 2025 | $34.0M | 13.42% | 0.26% | 1.01% | 54.09% |
| June 30, 2025 | $34.1M | 13.15% | — | 1.48% | 53.71% |
| March 31, 2025 | $34.5M | 12.61% | 0.01% | 1.56% | 54.02% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
E W E B Employees Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 9777) · FFIEC NIC profile (RSSD 1016884)
Frequently asked questions
Is E W E B Employees Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, E W E B Employees Federal Credit Union's net worth ratio is 13.59%, above the 7% NCUA threshold for well capitalized.
Is E W E B Employees Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. E W E B Employees Federal Credit Union is a federally insured credit union (NCUA charter 9777): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are E W E B Employees Federal Credit Union's key safety ratios?
For Q2 2026, E W E B Employees Federal Credit Union reports net worth 13.59%, delinquency 0.12%, ROA 0.93%, loan-to-share 55.04%.
What happens to my money if E W E B Employees Federal Credit Union fails?
For Q2 2026, E W E B Employees Federal Credit Union held $29.6M in shares and deposits for 1,446 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.