South Coast Ilwu Federal Credit Union North Bend, Oregon
South Coast Ilwu Federal Credit Union is a federal credit union headquartered in North Bend, OR, established in 1954 (NCUA charter 9376), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,071 members and total assets of $18.5M (down 1.7% from Q2 2025), the 44th largest of 47 credit unions headquartered in Oregon. Its net worth ratio was 18.21% at Q2 2026, in the well capitalized band.
Also written as South Coast Ilwu FCU
BankRegReports is independent of South Coast Ilwu 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
- 9376
- Headquarters
- North Bend, OR
- Established
- 1954
- Total assets, Q2 2026
- $18.5M
- Assets vs Q2 2025
- -1.7%
- Members, Q2 2026
- 1,071
- Net worth ratio, Q2 2026
- 18.21%
- Latest call report
- Q2 2026, NCUA 5300 · South Coast Ilwu Federal Credit Union call report
- Asset rank in state
- 44th of 47 in Oregon
- Routing number
- 323274843
- Branches
- 1
It has 17 more members than on June 30, 2025 (+1.6%). Its net worth ratio was up 1.21 percentage points from 17.00% on June 30, 2025. Used vehicle loans are its largest loan category, $2.9M of $9.8M in total loans on its June 30, 2026 filing.
Credit unions similar in size in Oregon
Frequently asked about South Coast Ilwu Federal Credit Union
How big is South Coast Ilwu Federal Credit Union?
At Q2 2026 it reported total assets of $18.5M and 1,071 members.
Where is South Coast Ilwu Federal Credit Union headquartered?
It is headquartered in North Bend, OR, United States.
When was South Coast Ilwu Federal Credit Union founded?
It was established in 1954, per NCUA records.
Is South Coast Ilwu Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 9376): 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 South Coast Ilwu Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is South Coast Ilwu Federal Credit Union well capitalized?
Its net worth ratio was 18.21% 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 South Coast Ilwu Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 64.69% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- North Bend, OR 97459
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1954
- NCUA Charter #
- 9376
- RSSD ID
- 42082
- Members
- 1,071
- Potential members
- 3,526
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 6 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 18.21% | 14.31% | 69th above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.01% | 0.72% | 63rd above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 5.54% | 4.74% | 55th above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.23% | 3.93% | 62nd above |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 79.89% | 79.83% | 50th below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.23% | 0.78% | 85th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.45% | 4.70% | 37th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 64.69% | 58.92% | 59th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$18.5M total assets against $18.8M; $15.1M total shares and deposits against $15.6M; $9.8M total loans against $9.6M.
$3.4M net worth against $3.2M.
18.21% net worth ratio against 17.00%.
64.69% loan-to-share ratio against 61.36%.
1.01% return on assets against 1.46%; 5.54% return on equity against 8.60%.
4.23% net interest margin against 4.36%.
1,071 members against 1,054.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 18.21% | 1.01% | — | 64.69% |
| March 31, 2026 | 17.72% | 0.27% | 0.03% | 62.16% |
| December 31, 2025 | 18.22% | -0.28% | 0.03% | 64.77% |
| September 30, 2025 | 17.52% | 1.78% | — | 62.95% |
| June 30, 2025 | 17.00% | 1.46% | — | 61.36% |
| March 31, 2025 | 16.92% | 1.70% | — | 60.68% |
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.