Credit Union Safety Analysis
Is Oregon Community Credit Union Safe? Eugene, Oregon
Based on its Q2 2026 NCUA 5300 call report, Oregon Community Credit Union has a net worth ratio of 10.81%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.49%, 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, Oregon Community Credit Union's net worth ratio is 10.81%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.81%
- Delinquency ratio (60+ days) (Q2 2026): 1.49%
- Return on assets (Q2 2026): 0.62%
- Loan-to-share ratio (Q2 2026): 110.10%
Oregon Community Credit Union (NCUA charter 65856, established 1956) reported $3.70B in assets and 298,481 members for Q2 2026 from Eugene, Oregon. It ranks 3 of 47 credit unions in Oregon by total assets. Total assets grew 1.8% from $3.64B on June 30, 2025. 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.
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: 10.74% for Q1 2026; 10.33% 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: 1.33% for Q1 2026; 1.65% 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: 1.16% for Q1 2026; 0.68% 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: 110.23% for Q1 2026; 109.29% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $1.23B
- 1- to 4-family residential and other consumer real estate loans: $872.9M
- New vehicle loans: $475.8M
- Other secured non-real estate loans and lines of credit: $277.6M
- Commercial loans: $219.8M
- Other unsecured loans and lines of credit: $132.2M
- Unsecured credit card loans: $71.3M
- Non-federally guaranteed student loans: $1.2M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $3.70B | 10.81% | 1.49% | 0.62% | 110.10% |
| March 31, 2026 | $3.57B | 10.74% | 1.33% | 1.16% | 110.23% |
| December 31, 2025 | $3.43B | 10.75% | 1.77% | 0.40% | 103.98% |
| September 30, 2025 | $3.51B | 10.41% | 1.82% | 0.80% | 105.19% |
| June 30, 2025 | $3.64B | 10.33% | 1.65% | 0.68% | 109.29% |
| March 31, 2025 | $3.53B | 10.36% | 1.94% | 0.97% | 107.92% |
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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.
Oregon Community Credit Union profile
Regulator records: NCUA credit union profile (charter 65856) · FFIEC NIC profile (RSSD 603483)
Frequently asked questions
Is Oregon Community Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Oregon Community Credit Union's net worth ratio is 10.81%, above the 7% NCUA threshold for well capitalized.
Is Oregon Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Oregon Community Credit Union is a federally insured credit union (NCUA charter 65856): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Oregon Community Credit Union's key safety ratios?
For Q2 2026, Oregon Community Credit Union reports net worth 10.81%, delinquency 1.49%, ROA 0.62%, loan-to-share 110.10%.
What happens to my money if Oregon Community Credit Union fails?
For Q2 2026, Oregon Community Credit Union held $2.98B in shares and deposits for 298,481 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.