Oregonians Credit Union Milwaukie, Oregon
Oregonians Credit Union is a state-chartered credit union headquartered in Milwaukie, OR, established in 1937 (NCUA charter 68669), and it is regulated and insured by the NCUA. At Q2 2026 it reported 18,477 members and total assets of $339.2M (down 0.2% from Q2 2025), the 18th largest of 47 credit unions headquartered in Oregon. Its net worth ratio was 16.45% at Q2 2026, in the well capitalized band.
Also written as Oregonians CU
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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
- 68669
- Headquarters
- Milwaukie, OR
- Established
- 1937
- Total assets, Q2 2026
- $339.2M
- Assets vs Q2 2025
- -0.2%
- Members, Q2 2026
- 18,477
- Net worth ratio, Q2 2026
- 16.45%
- Latest call report
- Q2 2026, NCUA 5300 · Oregonians Credit Union call report
- Asset rank in state
- 18th of 47 in Oregon
- Routing number
- 323075709
- Branches
- 7
It has 6 more members than on June 30, 2025. Its net worth ratio was up 0.77 percentage points from 15.68% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $125.6M of $225.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.15% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 16.45% net worth ratio is above that band's 11.43% median.
Frequently asked about Oregonians Credit Union
How big is Oregonians Credit Union?
At Q2 2026 it reported total assets of $339.2M and 18,477 members.
Where is Oregonians Credit Union headquartered?
It is headquartered in Milwaukie, OR, United States.
When was Oregonians Credit Union founded?
It was established in 1937, per NCUA records.
Is Oregonians Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68669): 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 Oregonians 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 Oregonians Credit Union well capitalized?
Its net worth ratio was 16.45% 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 Oregonians Credit Union's delinquency ratio?
Its delinquency ratio was 2.15% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Oregonians Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 80.41% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Milwaukie, OR 97267
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1937
- NCUA Charter #
- 68669
- RSSD ID
- 542890
- Members
- 18,477
- Potential members
- 3,285,271
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 3 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 13.58% | 16.45% | 11.43% | over 90th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.88% | 0.81% | 54th above |
| Return on equity Middle half of peers: 3.87% to 9.84% | 5.33% | 7.02% | 37th below |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 4.43% | 3.70% | 87th top |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 80.24% | 76.55% | 37th below |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 0.51% | 1.24% | over 90th top |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 2.15% | 0.68% | under 10th bottom |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.94% | 4.92% | 51st position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 80.41% | 75.66% | 61st position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$339.2M total assets against $339.7M; $280.0M total shares and deposits against $283.5M; $225.1M total loans against $209.6M.
$55.8M net worth against $53.3M.
16.45% net worth ratio against 15.68%.
80.41% loan-to-share ratio against 73.91%.
2.15% delinquency ratio against 1.05%.
0.88% return on assets against 0.63%; 5.33% return on equity against 4.04%.
4.43% net interest margin against 4.52%.
18,477 members against 18,471.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 16.45% | 0.88% | 2.15% | 80.41% |
| March 31, 2026 | 16.11% | 0.61% | 2.34% | 73.39% |
| December 31, 2025 | 16.06% | 0.60% | 1.82% | 75.09% |
| September 30, 2025 | 15.97% | 0.88% | 1.22% | 75.39% |
| June 30, 2025 | 15.68% | 0.63% | 1.05% | 73.91% |
| March 31, 2025 | 15.43% | 2.26% | 0.80% | 73.90% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
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.