Sage Federal Credit Union Klamath Falls, Oregon
Sage Federal Credit Union is a federal credit union headquartered in Klamath Falls, OR, established in 1936 (NCUA charter 960), and it is regulated and insured by the NCUA. At Q2 2026 it reported 26,046 members and total assets of $385.1M (up 5.2% from Q2 2025), the 16th largest of 47 credit unions headquartered in Oregon. Its net worth ratio was 10.10% at Q2 2026, in the well capitalized band.
Also written as Sage FCU · Trade names filed with the NCUA: Klamath Public Employees Federal Credit Union, Pacific Crest Federal Credit Union and Forest Products Federal Credit Union
BankRegReports is independent of Sage Federal Credit Union and never asks for online banking logins or passwords.
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
- 960
- Headquarters
- Klamath Falls, OR
- Established
- 1936
- Total assets, Q2 2026
- $385.1M
- Assets vs Q2 2025
- +5.2%
- Members, Q2 2026
- 26,046
- Net worth ratio, Q2 2026
- 10.10%
- Latest call report
- Q2 2026, NCUA 5300 · Sage Federal Credit Union call report
- Asset rank in state
- 16th of 47 in Oregon
- Routing number
- 323274704
- Branches
- 6
It has 663 more members than on June 30, 2025 (+2.6%). Its net worth ratio was up 0.14 percentage points from 9.96% on June 30, 2025. New vehicle loans are its largest loan category, $84.5M of $272.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.86% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 10.10% net worth ratio is below that band's 11.43% median.
Credit unions similar in size in Oregon
Credit unions merged into Sage Federal Credit Union
Frequently asked about Sage Federal Credit Union
How big is Sage Federal Credit Union?
At Q2 2026 it reported total assets of $385.1M and 26,046 members.
Where is Sage Federal Credit Union headquartered?
It is headquartered in Klamath Falls, OR, United States.
When was Sage Federal Credit Union founded?
It was established in 1936, per NCUA records.
Is Sage Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 960): 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 Sage Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Sage Federal Credit Union well capitalized?
Its net worth ratio was 10.10% 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 Sage Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.86% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Sage Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 79.30% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Klamath Falls, OR 97603
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1936
- NCUA Charter #
- 960
- RSSD ID
- 149972
- Members
- 26,046
- Potential members
- 732,880
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 and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 10.10% | 11.43% | 29th below |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.28% | 0.81% | 16th bottom |
| Return on equity Middle half of peers: 3.87% to 9.84% | 2.80% | 7.02% | 18th bottom |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 4.36% | 3.70% | 84th top |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 87.99% | 76.55% | 15th bottom |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 0.67% | 1.24% | 87th top |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.86% | 0.68% | 40th below |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.04% | 4.92% | 57th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 79.30% | 75.66% | 58th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$385.1M total assets against $366.0M; $343.2M total shares and deposits against $326.9M; $272.1M total loans against $251.5M.
$38.9M net worth against $36.4M.
10.10% net worth ratio against 9.96%.
79.30% loan-to-share ratio against 76.94%.
0.86% delinquency ratio against 0.68%.
0.28% return on assets against 0.79%; 2.80% return on equity against 7.95%.
4.36% net interest margin against 4.63%.
26,046 members against 25,383.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.10% | 0.28% | 0.86% | 79.30% |
| March 31, 2026 | 9.96% | 0.59% | 0.55% | 75.92% |
| December 31, 2025 | 9.97% | 0.88% | 0.57% | 76.11% |
| September 30, 2025 | 9.83% | 0.81% | 0.60% | 76.52% |
| June 30, 2025 | 9.96% | 0.79% | 0.68% | 76.94% |
| March 31, 2025 | 9.88% | 0.86% | 0.60% | 72.56% |
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.