Credit Union Safety Analysis
Is Machinists-Boilermakers Federal Credit Union Safe? Gladstone, Oregon
Based on its Q2 2026 NCUA 5300 call report, Machinists-Boilermakers Federal Credit Union has a net worth ratio of 13.62%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 2.30%, 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, Machinists-Boilermakers Federal Credit Union's net worth ratio is 13.62%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.62%
- Delinquency ratio (60+ days) (Q2 2026): 2.30%
- Return on assets (Q2 2026): -0.32%
- Loan-to-share ratio (Q2 2026): 103.64%
Machinists-Boilermakers Federal Credit Union (NCUA charter 14708, established 1961) reported $3.2M in assets and 459 members for Q2 2026 from Gladstone, Oregon. It ranks 46 of 47 credit unions in Oregon by total assets. Total assets fell 19.1% from $4.0M on June 30, 2025. It has 37 fewer members than on June 30, 2025 (-7.5%). Its net worth ratio was up 2.89 percentage points from 10.73% on June 30, 2025. Used vehicle loans are its largest loan category, $1.3M of $2.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.30% 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: 13.24% for Q1 2026; 10.73% 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: 5.34% for Q1 2026; 0.74% 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: 0.38% for Q1 2026; 0.40% 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: 99.53% for Q1 2026; 85.99% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $1.3M
- Other secured non-real estate loans and lines of credit: $717K
- New vehicle loans: $707K
- Other unsecured loans and lines of credit: $186K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $3.2M | 13.62% | 2.30% | -0.32% | 103.64% |
| March 31, 2026 | $3.3M | 13.24% | 5.34% | 0.38% | 99.53% |
| December 31, 2025 | $3.8M | 11.62% | 2.86% | 0.84% | 88.50% |
| September 30, 2025 | $4.0M | 10.82% | 0.48% | 0.34% | 85.33% |
| June 30, 2025 | $4.0M | 10.73% | 0.74% | 0.40% | 85.99% |
| March 31, 2025 | $4.1M | 10.30% | 1.43% | 0.17% | 83.54% |
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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.
Machinists-Boilermakers Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 14708) · FFIEC NIC profile (RSSD 823384)
Frequently asked questions
Is Machinists-Boilermakers Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Machinists-Boilermakers Federal Credit Union's net worth ratio is 13.62%, above the 7% NCUA threshold for well capitalized.
Is Machinists-Boilermakers Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Machinists-Boilermakers Federal Credit Union is a federally insured credit union (NCUA charter 14708): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Machinists-Boilermakers Federal Credit Union's key safety ratios?
For Q2 2026, Machinists-Boilermakers Federal Credit Union reports net worth 13.62%, delinquency 2.30%, ROA -0.32%, loan-to-share 103.64%.
What happens to my money if Machinists-Boilermakers Federal Credit Union fails?
For Q2 2026, Machinists-Boilermakers Federal Credit Union held $2.8M in shares and deposits for 459 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.