Credit Union Safety Analysis
Is Radio Cab Credit Union Safe? Portland, Oregon
Based on its Q2 2026 NCUA 5300 call report, Radio Cab Credit Union has a net worth ratio of 24.93%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 2.72%, 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, Radio Cab Credit Union's net worth ratio is 24.93%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 24.93%
- Delinquency ratio (60+ days) (Q2 2026): 2.72%
- Return on assets (Q2 2026): -0.13%
- Loan-to-share ratio (Q2 2026): 45.70%
Radio Cab Credit Union (NCUA charter 63903, established 1948) reported $3.7M in assets and 209 members for Q2 2026 from Portland, Oregon. It ranks 45 of 47 credit unions in Oregon by total assets. Total assets grew 3.4% from $3.6M on June 30, 2025. It has 16 more members than on June 30, 2025 (+8.3%). Its net worth ratio was down 0.85 percentage points from 25.78% on June 30, 2025. Other secured non-real estate loans and lines of credit are its largest loan category, $1.1M of $1.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.72% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 25.71% for Q1 2026; 25.78% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 1.46% for Q1 2026; 1.09% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: -0.10% for Q1 2026; 0.09% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 42.47% for Q1 2026; 30.44% for Q2 2025.
Loans by type, Q2 2026
- Other secured non-real estate loans and lines of credit: $1.1M
- New vehicle loans: $120K
- Used vehicle loans: $54K
- Other unsecured loans and lines of credit: $4K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $3.7M | 24.93% | 2.72% | -0.13% | 45.70% |
| March 31, 2026 | $3.6M | 25.71% | 1.46% | -0.10% | 42.47% |
| December 31, 2025 | $3.6M | 25.45% | 2.09% | 0.19% | 37.72% |
| September 30, 2025 | $3.6M | 25.45% | 0.81% | 0.07% | 35.57% |
| June 30, 2025 | $3.6M | 25.78% | 1.09% | 0.09% | 30.44% |
| March 31, 2025 | $3.6M | 25.44% | 0.21% | 0.03% | 30.57% |
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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.
Radio Cab Credit Union profile
Regulator records: NCUA credit union profile (charter 63903) · FFIEC NIC profile (RSSD 731292)
Frequently asked questions
Is Radio Cab Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Radio Cab Credit Union's net worth ratio is 24.93%, above the 7% NCUA threshold for well capitalized.
Is Radio Cab Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Radio Cab Credit Union is a federally insured credit union (NCUA charter 63903): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Radio Cab Credit Union's key safety ratios?
For Q2 2026, Radio Cab Credit Union reports net worth 24.93%, delinquency 2.72%, ROA -0.13%, loan-to-share 45.70%.
What happens to my money if Radio Cab Credit Union fails?
For Q2 2026, Radio Cab Credit Union held $2.7M in shares and deposits for 209 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.