OnPoint Community Credit Union Portland, Oregon
OnPoint Community Credit Union is a state-chartered credit union headquartered in Portland, OR, established in 1932 (NCUA charter 62745), and it is regulated and insured by the NCUA. At Q2 2026 it reported 661,823 members and total assets of $9.53B (down 0.3% from Q2 2025), the largest of 47 credit unions headquartered in Oregon. Its net worth ratio was 15.00% at Q2 2026, in the well capitalized band.
Also written as OnPoint Community CU · Trade names filed with the NCUA: OnPoint Insurance Services, OnPoint Business Services, OnPoint Mortgage and OnPoint Wealth Management and In
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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
- 62745
- Headquarters
- Portland, OR
- Established
- 1932
- Total assets, Q2 2026
- $9.53B
- Assets vs Q2 2025
- -0.3%
- Members, Q2 2026
- 661,823
- Net worth ratio, Q2 2026
- 15.00%
- Latest call report
- Q2 2026, NCUA 5300 · OnPoint Community Credit Union call report
- Asset rank in state
- 1st of 47 in Oregon
- Routing number
- 323075880
- Branches
- 62
It has 43,252 more members than on June 30, 2025 (+7.0%). Its net worth ratio was up 1.32 percentage points from 13.68% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $3.43B of $6.31B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.98% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 15.00% net worth ratio is above that band's 10.89% median.
Frequently asked about OnPoint Community Credit Union
How big is OnPoint Community Credit Union?
At Q2 2026 it reported total assets of $9.53B and 661,823 members.
Where is OnPoint Community Credit Union headquartered?
It is headquartered in Portland, OR, United States.
When was OnPoint Community Credit Union founded?
It was established in 1932, per NCUA records.
Is OnPoint Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 62745): 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 OnPoint Community 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 OnPoint Community Credit Union well capitalized?
Its net worth ratio was 15.00% 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 OnPoint Community Credit Union's delinquency ratio?
Its delinquency ratio was 0.98% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is OnPoint Community Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 79.99% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Portland, OR 97210
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1932
- NCUA Charter #
- 62745
- RSSD ID
- 852393
- Members
- 661,823
- Potential members
- 4,632,199
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 4 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 15.00% | 10.89% | over 90th top |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.44% | 0.89% | 82nd top |
| Return on equity Middle half of peers: 5.37% to 10.92% | 9.62% | 8.07% | 64th above |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.87% | 3.45% | 78th top |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 67.06% | 70.59% | 62nd above |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.25% | 1.68% | 82nd top |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.98% | 0.68% | 30th below |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.11% | 5.12% | 49th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 79.99% | 88.03% | 29th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$9.53B total assets against $9.56B; $7.89B total shares and deposits against $8.08B; $6.31B total loans against $5.96B.
$1.43B net worth against $1.31B.
15.00% net worth ratio against 13.68%.
79.99% loan-to-share ratio against 73.73%.
0.98% delinquency ratio against 0.75%.
1.44% return on assets against 1.06%; 9.62% return on equity against 7.72%.
3.87% net interest margin against 3.61%.
661,823 members against 618,571.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 15.00% | 1.44% | 0.98% | 79.99% |
| March 31, 2026 | 14.47% | 1.35% | 0.97% | 76.67% |
| December 31, 2025 | 14.28% | 0.94% | 0.99% | 77.03% |
| September 30, 2025 | 13.97% | 1.51% | 0.87% | 74.71% |
| June 30, 2025 | 13.68% | 1.06% | 0.75% | 73.73% |
| March 31, 2025 | 12.98% | 1.36% | 0.47% | 69.50% |
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.