Credit Union Safety Analysis
Is Ibew & United Workers Federal Credit Union Safe? Portland, Oregon
Based on its Q2 2026 NCUA 5300 call report, Ibew & United Workers Federal Credit Union has a net worth ratio of 11.43%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.20%, 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, Ibew & United Workers Federal Credit Union's net worth ratio is 11.43%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.43%
- Delinquency ratio (60+ days) (Q2 2026): 1.20%
- Return on assets (Q2 2026): -0.14%
- Loan-to-share ratio (Q2 2026): 71.61%
Ibew & United Workers Federal Credit Union (NCUA charter 9483, established 1954) reported $112.7M in assets and 14,370 members for Q2 2026 from Portland, Oregon. It ranks 29 of 47 credit unions in Oregon by total assets. Total assets grew 1.1% from $111.5M on June 30, 2025. It has 263 fewer members than on June 30, 2025 (-1.8%). Its net worth ratio was down 0.11 percentage points from 11.54% on June 30, 2025. New vehicle loans are its largest loan category, $23.8M of $71.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.20% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 11.62% for Q1 2026; 11.54% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 1.25% for Q1 2026; 0.61% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.24% for Q1 2026; 1.22% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 74.07% for Q1 2026; 74.77% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $23.8M
- 1- to 4-family residential and other consumer real estate loans: $16.2M
- Used vehicle loans: $15.4M
- Other secured non-real estate loans and lines of credit: $10.4M
- Unsecured credit card loans: $3.1M
- Other unsecured loans and lines of credit: $2.3M
- Commercial loans: $327K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $112.7M | 11.43% | 1.20% | -0.14% | 71.61% |
| March 31, 2026 | $111.2M | 11.62% | 1.25% | 0.24% | 74.07% |
| December 31, 2025 | $110.9M | 11.59% | 1.22% | -0.09% | 74.24% |
| September 30, 2025 | $113.3M | 11.41% | 0.69% | 0.22% | 73.18% |
| June 30, 2025 | $111.5M | 11.54% | 0.61% | 1.22% | 74.77% |
| March 31, 2025 | $116.3M | 10.77% | 0.81% | 0.64% | 72.90% |
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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.
Ibew & United Workers Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 9483) · FFIEC NIC profile (RSSD 999887)
Frequently asked questions
Is Ibew & United Workers Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Ibew & United Workers Federal Credit Union's net worth ratio is 11.43%, above the 7% NCUA threshold for well capitalized.
Is Ibew & United Workers Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Ibew & United Workers Federal Credit Union is a federally insured credit union (NCUA charter 9483): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Ibew & United Workers Federal Credit Union's key safety ratios?
For Q2 2026, Ibew & United Workers Federal Credit Union reports net worth 11.43%, delinquency 1.20%, ROA -0.14%, loan-to-share 71.61%.
What happens to my money if Ibew & United Workers Federal Credit Union fails?
For Q2 2026, Ibew & United Workers Federal Credit Union held $99.8M in shares and deposits for 14,370 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.