Credit Union Safety Analysis
Is Ironworkers USA Federal Credit Union Safe? Portland, Oregon
Based on its Q2 2026 NCUA 5300 call report, Ironworkers USA Federal Credit Union has a net worth ratio of 11.10%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 2.97%, 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, Ironworkers USA Federal Credit Union's net worth ratio is 11.10%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.10%
- Delinquency ratio (60+ days) (Q2 2026): 2.97%
- Return on assets (Q2 2026): 1.00%
- Loan-to-share ratio (Q2 2026): 91.47%
Ironworkers USA Federal Credit Union (NCUA charter 13649, established 1960) reported $155.9M in assets and 18,558 members for Q2 2026 from Portland, Oregon. It ranks 26 of 47 credit unions in Oregon by total assets. Total assets grew 16.1% from $134.3M on June 30, 2025. It has 1,347 more members than on June 30, 2025 (+7.8%). Its net worth ratio was down 0.60 percentage points from 11.70% on June 30, 2025. Used vehicle loans are its largest loan category, $59.7M of $126.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.97% 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: 11.50% for Q1 2026; 11.70% 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: 2.95% for Q1 2026; 2.82% 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: 1.10% for Q1 2026; 0.96% 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: 92.68% for Q1 2026; 94.68% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $59.7M
- Other secured non-real estate loans and lines of credit: $21.2M
- New vehicle loans: $21.2M
- 1- to 4-family residential and other consumer real estate loans: $14.0M
- Other unsecured loans and lines of credit: $6.8M
- Unsecured credit card loans: $3.2M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $155.9M | 11.10% | 2.97% | 1.00% | 91.47% |
| March 31, 2026 | $147.1M | 11.50% | 2.95% | 1.10% | 92.68% |
| December 31, 2025 | $143.4M | 11.51% | 2.93% | 1.34% | 92.45% |
| September 30, 2025 | $141.2M | 11.36% | 3.42% | 0.93% | 92.31% |
| June 30, 2025 | $134.3M | 11.70% | 2.82% | 0.96% | 94.68% |
| March 31, 2025 | $130.8M | 11.76% | 2.80% | 1.84% | 93.07% |
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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.
Ironworkers USA Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 13649) · FFIEC NIC profile (RSSD 63984)
Frequently asked questions
Is Ironworkers USA Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Ironworkers USA Federal Credit Union's net worth ratio is 11.10%, above the 7% NCUA threshold for well capitalized.
Is Ironworkers USA Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Ironworkers USA Federal Credit Union is a federally insured credit union (NCUA charter 13649): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Ironworkers USA Federal Credit Union's key safety ratios?
For Q2 2026, Ironworkers USA Federal Credit Union reports net worth 11.10%, delinquency 2.97%, ROA 1.00%, loan-to-share 91.47%.
What happens to my money if Ironworkers USA Federal Credit Union fails?
For Q2 2026, Ironworkers USA Federal Credit Union held $137.8M in shares and deposits for 18,558 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.