Credit Union Safety Analysis
Is Inroads Federal Credit Union Safe? Saint Helens, Oregon
Based on its Q2 2026 NCUA 5300 call report, Inroads Federal Credit Union has a net worth ratio of 8.12%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.15%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Inroads Federal Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Inroads Federal Credit Union's net worth ratio is 8.12%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 8.12%
- Delinquency ratio (60+ days) (Q2 2026): 1.15%
- Return on assets (Q2 2026): -0.28%
- Loan-to-share ratio (Q2 2026): 81.22%
Inroads Federal Credit Union (NCUA charter 2730, established 1938) reported $340.0M in assets and 15,770 members for Q2 2026 from Saint Helens, Oregon. It ranks 17 of 47 credit unions in Oregon by total assets. Total assets grew 2.0% from $333.2M on June 30, 2025. It has 499 fewer members than on June 30, 2025 (-3.1%). Its net worth ratio was down 0.44 percentage points from 8.56% on June 30, 2025. Commercial loans are its largest loan category, $104.5M of $254.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.15% 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: 8.32% for Q1 2026; 8.56% 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: 1.10% for Q1 2026; 1.98% 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: -0.60% for Q1 2026; -0.19% 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: 81.58% for Q1 2026; 86.83% for Q2 2025.
Loans by type, Q2 2026
- Commercial loans: $104.5M
- 1- to 4-family residential and other consumer real estate loans: $102.0M
- Other secured non-real estate loans and lines of credit: $13.7M
- New vehicle loans: $10.3M
- Used vehicle loans: $9.0M
- Unsecured credit card loans: $8.1M
- Other unsecured loans and lines of credit: $6.8M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $340.0M | 8.12% | 1.15% | -0.28% | 81.22% |
| March 31, 2026 | $334.8M | 8.32% | 1.10% | -0.60% | 81.58% |
| December 31, 2025 | $329.6M | 8.60% | 1.17% | 0.08% | 84.42% |
| September 30, 2025 | $331.4M | 8.54% | 1.19% | -0.29% | 84.94% |
| June 30, 2025 | $333.2M | 8.56% | 1.98% | -0.19% | 86.83% |
| March 31, 2025 | $350.1M | 8.20% | 1.63% | -0.46% | 86.65% |
Add this badge to your website
Free to use. It shows Inroads 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.
Inroads Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 2730) · FFIEC NIC profile (RSSD 701370)
Frequently asked questions
Is Inroads Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Inroads Federal Credit Union's net worth ratio is 8.12%, above the 7% NCUA threshold for well capitalized.
Is Inroads Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Inroads Federal Credit Union is a federally insured credit union (NCUA charter 2730): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Inroads Federal Credit Union's key safety ratios?
For Q2 2026, Inroads Federal Credit Union reports net worth 8.12%, delinquency 1.15%, ROA -0.28%, loan-to-share 81.22%.
What happens to my money if Inroads Federal Credit Union fails?
For Q2 2026, Inroads Federal Credit Union held $313.2M in shares and deposits for 15,770 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.