Credit Union Safety Analysis
Is Selco Community Credit Union Safe? Springfield, Oregon
Based on its Q2 2026 NCUA 5300 call report, Selco Community Credit Union has a net worth ratio of 11.93%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.37%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Selco Community Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Selco Community Credit Union's net worth ratio is 11.93%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.93%
- Delinquency ratio (60+ days) (Q2 2026): 0.37%
- Return on assets (Q2 2026): 1.31%
- Loan-to-share ratio (Q2 2026): 73.48%
Selco Community Credit Union (NCUA charter 63196, established 1936) reported $3.01B in assets and 151,735 members for Q2 2026 from Springfield, Oregon. It ranks 5 of 47 credit unions in Oregon by total assets. Total assets grew 5.9% from $2.84B on June 30, 2025. It has 700 more members than on June 30, 2025 (+0.5%). Its net worth ratio was up 0.19 percentage points from 11.74% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $659.5M of $1.94B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.37% is below 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: 11.70% for Q1 2026; 11.74% 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: 0.46% for Q1 2026; 0.63% 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: 0.59% for Q1 2026; 1.07% 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: 73.42% for Q1 2026; 76.08% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $659.5M
- New vehicle loans: $561.9M
- Commercial loans: $369.1M
- Used vehicle loans: $246.8M
- Other secured non-real estate loans and lines of credit: $58.1M
- Unsecured credit card loans: $41.2M
- Other unsecured loans and lines of credit: $8.3M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $3.01B | 11.93% | 0.37% | 1.31% | 73.48% |
| March 31, 2026 | $2.98B | 11.70% | 0.46% | 0.59% | 73.42% |
| December 31, 2025 | $2.90B | 11.88% | 0.49% | 0.37% | 75.81% |
| September 30, 2025 | $2.88B | 11.88% | 0.60% | 1.28% | 76.33% |
| June 30, 2025 | $2.84B | 11.74% | 0.63% | 1.07% | 76.08% |
| March 31, 2025 | $2.83B | 11.51% | 0.66% | 0.64% | 76.26% |
Add this badge to your website
Free to use. It shows Selco Community Credit Union’s latest filed figures and updates each quarter.
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.
Selco Community Credit Union profile
Regulator records: NCUA credit union profile (charter 63196) · FFIEC NIC profile (RSSD 423092)
Frequently asked questions
Is Selco Community Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Selco Community Credit Union's net worth ratio is 11.93%, above the 7% NCUA threshold for well capitalized.
Is Selco Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Selco Community Credit Union is a federally insured credit union (NCUA charter 63196): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Selco Community Credit Union's key safety ratios?
For Q2 2026, Selco Community Credit Union reports net worth 11.93%, delinquency 0.37%, ROA 1.31%, loan-to-share 73.48%.
What happens to my money if Selco Community Credit Union fails?
For Q2 2026, Selco Community Credit Union held $2.65B in shares and deposits for 151,735 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.