Credit Union Safety Analysis
Is OnPoint Community Credit Union Safe? Portland, Oregon
Based on its Q2 2026 NCUA 5300 call report, OnPoint Community Credit Union has a net worth ratio of 15.00%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.98%, 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, OnPoint Community Credit Union's net worth ratio is 15.00%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 15.00%
- Delinquency ratio (60+ days) (Q2 2026): 0.98%
- Return on assets (Q2 2026): 1.44%
- Loan-to-share ratio (Q2 2026): 79.99%
OnPoint Community Credit Union (NCUA charter 62745, established 1932) reported $9.53B in assets and 661,823 members for Q2 2026 from Portland, Oregon. It is the largest of 47 credit unions in Oregon by total assets. Total assets fell 0.3% from $9.56B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 14.47% for Q1 2026; 13.68% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.97% for Q1 2026; 0.75% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 1.35% for Q1 2026; 1.06% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 76.67% for Q1 2026; 73.73% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $3.43B
- New vehicle loans: $1.25B
- Commercial loans: $749.4M
- Used vehicle loans: $452.2M
- Unsecured credit card loans: $264.0M
- Other unsecured loans and lines of credit: $119.4M
- Other secured non-real estate loans and lines of credit: $42.1M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $9.53B | 15.00% | 0.98% | 1.44% | 79.99% |
| March 31, 2026 | $9.65B | 14.47% | 0.97% | 1.35% | 76.67% |
| December 31, 2025 | $9.54B | 14.28% | 0.99% | 0.94% | 77.03% |
| September 30, 2025 | $9.62B | 13.97% | 0.87% | 1.51% | 74.71% |
| June 30, 2025 | $9.56B | 13.68% | 0.75% | 1.06% | 73.73% |
| March 31, 2025 | $9.88B | 12.98% | 0.47% | 1.36% | 69.50% |
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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.
OnPoint Community Credit Union profile
Regulator records: NCUA credit union profile (charter 62745) · FFIEC NIC profile (RSSD 852393)
Frequently asked questions
Is OnPoint Community Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, OnPoint Community Credit Union's net worth ratio is 15.00%, above the 7% NCUA threshold for well capitalized.
Is OnPoint Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. OnPoint Community Credit Union is a federally insured credit union (NCUA charter 62745): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are OnPoint Community Credit Union's key safety ratios?
For Q2 2026, OnPoint Community Credit Union reports net worth 15.00%, delinquency 0.98%, ROA 1.44%, loan-to-share 79.99%.
What happens to my money if OnPoint Community Credit Union fails?
For Q2 2026, OnPoint Community Credit Union held $7.89B in shares and deposits for 661,823 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.