Credit Union Safety Analysis
Is Ibew/SJ Cascade Federal Credit Union Safe? Salem, Oregon
Based on its Q2 2026 NCUA 5300 call report, Ibew/SJ Cascade Federal Credit Union has a net worth ratio of 14.11%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.31%, 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/SJ Cascade Federal Credit Union's net worth ratio is 14.11%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 14.11%
- Delinquency ratio (60+ days) (Q2 2026): 1.31%
- Return on assets (Q2 2026): 2.08%
- Loan-to-share ratio (Q2 2026): 71.78%
Ibew/SJ Cascade Federal Credit Union (NCUA charter 14402, established 1961) reported $22.5M in assets and 2,851 members for Q2 2026 from Salem, Oregon. It ranks 43 of 47 credit unions in Oregon by total assets. Total assets grew 4.4% from $21.5M on June 30, 2025. It has 101 more members than on June 30, 2025 (+3.7%). Its net worth ratio was up 1.08 percentage points from 13.03% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $4.3M of $13.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.31% is above 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: 13.56% for Q1 2026; 13.03% 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%.
Earlier filings: 1.47% for Q1 2026; 1.19% for Q2 2025.
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: 1.53% for Q1 2026; 1.26% 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: 71.11% for Q1 2026; 78.25% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $4.3M
- New vehicle loans: $4.0M
- Used vehicle loans: $3.2M
- Other secured non-real estate loans and lines of credit: $870K
- Unsecured credit card loans: $673K
- Other unsecured loans and lines of credit: $526K
- Commercial loans: $143K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $22.5M | 14.11% | 1.31% | 2.08% | 71.78% |
| March 31, 2026 | $22.5M | 13.56% | 1.47% | 1.53% | 71.11% |
| December 31, 2025 | $22.3M | 13.30% | 0.46% | 1.71% | 73.50% |
| September 30, 2025 | $22.1M | 13.07% | 0.10% | 1.51% | 75.07% |
| June 30, 2025 | $21.5M | 13.03% | 1.19% | 1.26% | 78.25% |
| March 31, 2025 | $21.6M | 12.71% | 0.39% | 1.11% | 77.71% |
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Free to use. It shows Ibew/SJ Cascade Federal Credit Union’s latest filed figures and updates each quarter.
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/SJ Cascade Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 14402) · FFIEC NIC profile (RSSD 358989)
Frequently asked questions
Is Ibew/SJ Cascade Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Ibew/SJ Cascade Federal Credit Union's net worth ratio is 14.11%, above the 7% NCUA threshold for well capitalized.
Is Ibew/SJ Cascade Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Ibew/SJ Cascade Federal Credit Union is a federally insured credit union (NCUA charter 14402): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Ibew/SJ Cascade Federal Credit Union's key safety ratios?
For Q2 2026, Ibew/SJ Cascade Federal Credit Union reports net worth 14.11%, delinquency 1.31%, ROA 2.08%, loan-to-share 71.78%.
What happens to my money if Ibew/SJ Cascade Federal Credit Union fails?
For Q2 2026, Ibew/SJ Cascade Federal Credit Union held $19.2M in shares and deposits for 2,851 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.