Oregon Community Credit Union Eugene, Oregon
Oregon Community Credit Union is a state-chartered credit union headquartered in Eugene, OR, established in 1956 (NCUA charter 65856), and it is regulated and insured by the NCUA. At Q2 2026 it reported 298,481 members and total assets of $3.70B (up 1.8% from Q2 2025), the 3rd largest of 47 credit unions headquartered in Oregon. Its net worth ratio was 10.81% at Q2 2026, in the well capitalized band.
Also written as Oregon Community CU
BankRegReports is independent of Oregon Community Credit Union and never asks for online banking logins or passwords.
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
- 65856
- Headquarters
- Eugene, OR
- Established
- 1956
- Total assets, Q2 2026
- $3.70B
- Assets vs Q2 2025
- +1.8%
- Members, Q2 2026
- 298,481
- Net worth ratio, Q2 2026
- 10.81%
- Latest call report
- Q2 2026, NCUA 5300 · Oregon Community Credit Union call report
- Asset rank in state
- 3rd of 47 in Oregon
- Routing number
- 323274461
- Branches
- 17
It has 18,441 more members than on June 30, 2025 (+6.6%). Its net worth ratio was up 0.48 percentage points from 10.33% on June 30, 2025. Used vehicle loans are its largest loan category, $1.23B of $3.28B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.49% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 10.81% net worth ratio is below that band's 10.89% median.
Credit unions merged into Oregon Community Credit Union
Bi-Mart Federal Credit Union (2014)
Frequently asked about Oregon Community Credit Union
How big is Oregon Community Credit Union?
At Q2 2026 it reported total assets of $3.70B and 298,481 members.
Where is Oregon Community Credit Union headquartered?
It is headquartered in Eugene, OR, United States.
When was Oregon Community Credit Union founded?
It was established in 1956, per NCUA records.
Is Oregon Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 65856): 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 Oregon 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 Oregon Community Credit Union well capitalized?
Its net worth ratio was 10.81% 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 Oregon Community Credit Union's delinquency ratio?
Its delinquency ratio was 1.49% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Oregon Community Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 110.10% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Eugene, OR 97408
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1956
- NCUA Charter #
- 65856
- RSSD ID
- 603483
- Members
- 298,481
- Potential members
- 11,793,109
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 1 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 12.63% | 10.81% | 10.89% | 48th below |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.62% | 0.89% | 27th below |
| Return on equity Middle half of peers: 5.37% to 10.92% | 5.92% | 8.07% | 30th below |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 4.09% | 3.45% | 87th top |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 64.11% | 70.59% | 72nd above |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.67% | 1.68% | 51st above |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 1.49% | 0.68% | under 10th bottom |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.76% | 5.12% | 88th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 110.10% | 88.03% | 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
$3.70B total assets against $3.64B; $2.98B total shares and deposits against $3.00B; $3.28B total loans against $3.28B.
$384.7M net worth against $362.2M.
10.81% net worth ratio against 10.33%.
110.10% loan-to-share ratio against 109.29%.
1.49% delinquency ratio against 1.65%.
0.62% return on assets against 0.68%; 5.92% return on equity against 6.79%.
4.09% net interest margin against 4.52%.
298,481 members against 280,040.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.81% | 0.62% | 1.49% | 110.10% |
| March 31, 2026 | 10.74% | 1.16% | 1.33% | 110.23% |
| December 31, 2025 | 10.75% | 0.40% | 1.77% | 103.98% |
| September 30, 2025 | 10.41% | 0.80% | 1.82% | 105.19% |
| June 30, 2025 | 10.33% | 0.68% | 1.65% | 109.29% |
| March 31, 2025 | 10.36% | 0.97% | 1.94% | 107.92% |
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.
Loans outstanding exceed total member shares (deposits). The credit union is funding the gap with borrowings or non-member sources that are more rate-sensitive and less stable than core member deposits. Industry heuristic, not a supervisory threshold.
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.