Pacific NW Federal Credit Union Portland, Oregon
Pacific NW Federal Credit Union is a federal credit union headquartered in Portland, OR, established in 1942 (NCUA charter 4878), and it is regulated and insured by the NCUA. At Q2 2026 it reported 23,380 members and total assets of $317.3M (up 1.7% from Q2 2025), the 20th largest of 47 credit unions headquartered in Oregon. Its net worth ratio was 9.84% at Q2 2026, in the well capitalized band.
Also written as Pacific NW FCU · Trade name filed with the NCUA: pnwfcu
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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
- 4878
- Headquarters
- Portland, OR
- Established
- 1942
- Total assets, Q2 2026
- $317.3M
- Assets vs Q2 2025
- +1.7%
- Members, Q2 2026
- 23,380
- Net worth ratio, Q2 2026
- 9.84%
- Latest call report
- Q2 2026, NCUA 5300 · Pacific NW Federal Credit Union call report
- Asset rank in state
- 20th of 47 in Oregon
- Routing number
- 323075754
- Branches
- 3
It has 484 more members than on June 30, 2025 (+2.1%). Its net worth ratio was up 0.42 percentage points from 9.42% on June 30, 2025. New vehicle loans are its largest loan category, $120.0M of $237.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.31% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 9.84% net worth ratio is below that band's 11.43% median.
Credit unions similar in size in Oregon
Frequently asked about Pacific NW Federal Credit Union
How big is Pacific NW Federal Credit Union?
At Q2 2026 it reported total assets of $317.3M and 23,380 members.
Where is Pacific NW Federal Credit Union headquartered?
It is headquartered in Portland, OR, United States.
When was Pacific NW Federal Credit Union founded?
It was established in 1942, per NCUA records.
Is Pacific NW Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 4878): 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 Pacific NW Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Pacific NW Federal Credit Union well capitalized?
Its net worth ratio was 9.84% 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 Pacific NW Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.31% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Pacific NW Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 84.69% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Portland, OR 97220
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1942
- NCUA Charter #
- 4878
- RSSD ID
- 97176
- Members
- 23,380
- Potential members
- 2,535,669
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 2 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 9.84% | 11.43% | 25th below |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.91% | 0.81% | 56th above |
| Return on equity Middle half of peers: 3.87% to 9.84% | 9.29% | 7.02% | 70th above |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.85% | 3.70% | 59th above |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 76.78% | 76.55% | 49th below |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 0.78% | 1.24% | 82nd top |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.31% | 0.68% | 81st top |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.63% | 4.92% | 31st position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 84.69% | 75.66% | 71st position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$317.3M total assets against $312.1M; $280.7M total shares and deposits against $277.9M; $237.7M total loans against $211.9M.
$31.2M net worth against $29.4M.
9.84% net worth ratio against 9.42%.
84.69% loan-to-share ratio against 76.25%.
0.31% delinquency ratio against 0.54%.
0.91% return on assets against 0.73%; 9.29% return on equity against 7.74%.
3.85% net interest margin against 3.55%.
23,380 members against 22,896.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.84% | 0.91% | 0.31% | 84.69% |
| March 31, 2026 | 9.60% | 0.37% | 0.38% | 85.07% |
| December 31, 2025 | 9.64% | 0.88% | 0.48% | 82.49% |
| September 30, 2025 | 9.39% | 0.27% | 0.52% | 77.29% |
| June 30, 2025 | 9.42% | 0.73% | 0.54% | 76.25% |
| March 31, 2025 | 9.38% | 0.26% | 0.59% | 73.26% |
Scroll sideways to see every column.
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.