Northwest Adventist Federal Credit Union Portland, Oregon
Northwest Adventist Federal Credit Union is a federal credit union headquartered in Portland, OR, established in 1962 (NCUA charter 14786), and it is regulated and insured by the NCUA. At Q2 2026 it reported 3,146 members and total assets of $33.9M (down 4.9% from Q2 2025), the 40th largest of 47 credit unions headquartered in Oregon. Its net worth ratio was 15.20% at Q2 2026, in the well capitalized band.
Also written as Northwest Adventist FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 14786
- Headquarters
- Portland, OR
- Established
- 1962
- Total assets, Q2 2026
- $33.9M
- Assets vs Q2 2025
- -4.9%
- Members, Q2 2026
- 3,146
- Net worth ratio, Q2 2026
- 15.20%
- Latest call report
- Q2 2026, NCUA 5300 · Northwest Adventist Federal Credit Union call report
- Asset rank in state
- 40th of 47 in Oregon
- Routing number
- 323075372
- Branches
- 1
It has 37 fewer members than on June 30, 2025 (-1.2%). Its net worth ratio was up 1.75 percentage points from 13.45% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $14.2M of $24.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.71% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 15.20% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Oregon
Frequently asked about Northwest Adventist Federal Credit Union
How big is Northwest Adventist Federal Credit Union?
At Q2 2026 it reported total assets of $33.9M and 3,146 members.
Where is Northwest Adventist Federal Credit Union headquartered?
It is headquartered in Portland, OR, United States.
When was Northwest Adventist Federal Credit Union founded?
It was established in 1962, per NCUA records.
Is Northwest Adventist Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 14786): 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 Northwest Adventist Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Northwest Adventist Federal Credit Union well capitalized?
Its net worth ratio was 15.20% 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 Northwest Adventist Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.71% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Northwest Adventist Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 86.91% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Portland, OR 97216
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1962
- NCUA Charter #
- 14786
- RSSD ID
- 650683
- Members
- 3,146
- Potential members
- 36,882
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 15.20% | 14.31% | 54th above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.52% | 0.72% | 41st below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 3.41% | 4.74% | 41st below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 5.23% | 3.93% | over 90th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 88.98% | 79.83% | 31st below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.50% | 0.78% | 67th above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.71% | 0.86% | 58th above |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.74% | 4.70% | 83rd position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 86.91% | 58.92% | 87th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$33.9M total assets against $35.7M; $28.6M total shares and deposits against $30.4M; $24.9M total loans against $25.9M.
$5.2M net worth against $4.8M.
15.20% net worth ratio against 13.45%.
86.91% loan-to-share ratio against 84.94%.
0.71% delinquency ratio against 0.38%.
0.52% return on assets against 1.26%; 3.41% return on equity against 9.37%.
5.23% net interest margin against 4.43%.
3,146 members against 3,183.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 15.20% | 0.52% | 0.71% | 86.91% |
| March 31, 2026 | 14.65% | 0.66% | 0.66% | 84.57% |
| December 31, 2025 | 13.49% | 0.90% | 0.93% | 81.32% |
| September 30, 2025 | 13.94% | 1.40% | 0.40% | 86.56% |
| June 30, 2025 | 13.45% | 1.26% | 0.38% | 84.94% |
| March 31, 2025 | 12.83% | 1.47% | 0.39% | 81.47% |
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.