Mid Oregon Credit Union Bend, Oregon
Mid Oregon Credit Union is a state-chartered credit union headquartered in Bend, OR, established in 1957 (NCUA charter 68748), and it is regulated and insured by the NCUA. At Q2 2026 it reported 53,382 members and total assets of $917.4M, the 10th largest of 47 credit unions headquartered in Oregon. Its net worth ratio was 11.33% at Q2 2026, in the well capitalized band.
Also written as Mid Oregon CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 68748
- Headquarters
- Bend, OR
- Established
- 1957
- Total assets, Q2 2026
- $917.4M
- Members, Q2 2026
- 53,382
- Net worth ratio, Q2 2026
- 11.33%
- Latest call report
- Q2 2026, NCUA 5300 · Mid Oregon Credit Union call report
- Asset rank in state
- 10th of 47 in Oregon
- Routing number
- 323274186
- Branches
- 9
1- to 4-family residential and other consumer real estate loans are its largest loan category, $310.7M of $780.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.14% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 11.33% net worth ratio is below that band's 11.43% median.
Credit unions similar in size in Oregon
Frequently asked about Mid Oregon Credit Union
How big is Mid Oregon Credit Union?
At Q2 2026 it reported total assets of $917.4M and 53,382 members.
Where is Mid Oregon Credit Union headquartered?
It is headquartered in Bend, OR, United States.
When was Mid Oregon Credit Union founded?
It was established in 1957, per NCUA records.
Is Mid Oregon Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68748): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Mid Oregon Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Mid Oregon Credit Union well capitalized?
Its net worth ratio was 11.33% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Mid Oregon Credit Union's delinquency ratio?
Its delinquency ratio was 0.14% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Mid Oregon Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 96.33% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Bend, OR 97701
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1957
- NCUA Charter #
- 68748
- RSSD ID
- 106685
- Members
- 53,382
- Potential members
- 3,874,451
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 5 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 11.33% | 11.43% | 48th below |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.67% | 0.81% | over 90th top |
| Return on equity Middle half of peers: 3.87% to 9.84% | 14.73% | 7.02% | over 90th top |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 4.30% | 3.70% | 82nd top |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 62.43% | 76.55% | 86th top |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.64% | 1.24% | 21st bottom |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.14% | 0.68% | over 90th top |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.94% | 4.92% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 96.33% | 75.66% | over 90th position only |
Quarterly trends
Last 3 quarters of 5300 filings. How these charts are built
$917.4M total assets; $810.5M total shares and deposits; $780.8M total loans.
$103.9M net worth.
11.33% net worth ratio.
96.33% loan-to-share ratio.
0.14% delinquency ratio.
1.67% return on assets; 14.73% return on equity.
4.30% net interest margin.
53,382 members.
Quarterly trend: last 3 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.33% | 1.67% | 0.14% | 96.33% |
| March 31, 2026 | 11.40% | 1.81% | 0.10% | 96.56% |
| December 31, 2025 | 11.41% | — | 0.27% | 98.06% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.