Opc Federal Credit Union Durkee, Oregon
Opc Federal Credit Union is a federal credit union headquartered in Durkee, OR, established in 1972 (NCUA charter 20951), and it is regulated and insured by the NCUA. At Q2 2026 it reported 314 members and total assets of $2.8M (down 0.3% from Q2 2025), the 47th largest of 47 credit unions headquartered in Oregon. Its net worth ratio was 14.75% at Q2 2026, in the well capitalized band.
Also written as Opc FCU
BankRegReports is independent of Opc Federal Credit Union and never asks for online banking logins or passwords.
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
- 20951
- Headquarters
- Durkee, OR
- Established
- 1972
- Total assets, Q2 2026
- $2.8M
- Assets vs Q2 2025
- -0.3%
- Members, Q2 2026
- 314
- Net worth ratio, Q2 2026
- 14.75%
- Latest call report
- Q2 2026, NCUA 5300 · Opc Federal Credit Union call report
- Asset rank in state
- 47th of 47 in Oregon
- Routing number
- 323274597
- Branches
- 1
It has 4 more members than on June 30, 2025 (+1.3%). Its net worth ratio was up 0.14 percentage points from 14.61% on June 30, 2025. Used vehicle loans are its largest loan category, $1.2M of $2.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.63% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 14.75% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Oregon
Frequently asked about Opc Federal Credit Union
How big is Opc Federal Credit Union?
At Q2 2026 it reported total assets of $2.8M and 314 members.
Where is Opc Federal Credit Union headquartered?
It is headquartered in Durkee, OR, United States.
When was Opc Federal Credit Union founded?
It was established in 1972, per NCUA records.
Is Opc Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 20951): 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 Opc Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Opc Federal Credit Union well capitalized?
Its net worth ratio was 14.75% 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 Opc Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.63% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Opc Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 97.81% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Durkee, OR 97905
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1972
- NCUA Charter #
- 20951
- RSSD ID
- 140287
- Members
- 314
- Potential members
- 400
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 2 of 4 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 14.75% | 14.31% | 52nd above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 2.98% | 0.72% | over 90th top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 20.20% | 4.74% | over 90th top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | not on file | 3.93% | not on file |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | not on file | 79.83% | not on file |
| Cost of funds Middle half of peers: 0.37% to 1.23% | not on file | 0.78% | not on file |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 1.63% | 0.86% | 32nd below |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.94% | 4.70% | 60th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 97.81% | 58.92% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$2.8M total assets against $2.8M; $2.3M total shares and deposits against $2.3M; $2.3M total loans against $2.4M.
$408K net worth against $405K.
14.75% net worth ratio against 14.61%.
97.81% loan-to-share ratio against 105.00%.
1.63% delinquency ratio against 1.39%.
2.98% return on assets against -2.71%; 20.20% return on equity against -18.57%.
314 members against 310.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 14.75% | 2.98% | 1.63% | 97.81% |
| March 31, 2026 | 15.36% | 3.06% | — | 93.92% |
| December 31, 2025 | 14.70% | 2.18% | 1.21% | 103.74% |
| September 30, 2025 | 15.65% | 3.52% | 2.68% | 103.91% |
| June 30, 2025 | 14.61% | -2.71% | 1.39% | 105.00% |
| March 31, 2025 | 14.83% | 2.82% | 0.03% | 104.82% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
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.