Side-by-side · Q2 2026 data
Inroads Federal Credit Union vs Central Willamette Credit Union
Credit union
Inroads Federal Credit Union
Saint Helens, Oregon · $100 million – $1 billion
Metric by metric
| Measure | Inroads Federal Credit Union | Central Willamette Credit Union |
|---|---|---|
| TellerScore | 45 | 77 (stronger) |
| Capital cushion | 31 | 94 (stronger) |
| Loan quality | 62 | 66 (stronger) |
| Earnings | 3 | 61 (stronger) |
| Funding & liquidity | 79 (stronger) | 77 |
| Problem-loan coverage | 79 | 89 (stronger) |
| Peer percentile | 3rd | 71st |
| Total assets | $340.0M | $617.6M |
| Deposits / shares | $313.2M | $525.4M |
| Capital ratio | 8.12% | 14.39% (stronger) |
| Problem loans | 1.15% | 1.02% (stronger) |
| Net charge-offs | 0.76% (stronger) | 0.86% |
| Return on assets | -0.44% | 1.03% (stronger) |
| Loans ÷ deposits | 81.2% (stronger) | 83.4% |
| Uninsured deposits | 8.1% | 5.9% (stronger) |
| Offices | 1 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.5% | 23.3% |
Central Willamette Credit Union has the higher TellerScore (77 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Inroads Federal Credit Union leads on 2 and Central Willamette Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.