Headquartered in Albany, Oregon, Central Willamette Credit Union is a federally insured state-chartered credit union with $617.6M in total assets and $525.4M in member shares and deposits as of Q2 2026. It operates 9 offices. Its charter dates back to 1955.
Central Willamette Credit Union has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 71% of its 1,341 credit unions with $100 million – $1 billion. Among 47 credit unions headquartered in Oregon, it ranks 18th. Capital cushion contributes the most (94/100, 14.39%); earnings contributes the least (61/100, 1.03%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 5 points (72 → 77), mostly because the earnings component improved by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 70 |
| Q3 2024 | 69 |
| Q4 2024 | 69 |
| Q1 2025 | 69 |
| Q2 2025 | 72 |
| Q3 2025 | 71 |
| Q4 2025 | 69 |
| Q1 2026 | 72 |
| Q2 2026 | 77 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 14.06% |
| Q3 2024 | 13.75% |
| Q4 2024 | 13.87% |
| Q1 2025 | 13.71% |
| Q2 2025 | 13.96% |
| Q3 2025 | 13.95% |
| Q4 2025 | 13.98% |
| Q1 2026 | 14.13% |
| Q2 2026 | 14.39% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.34% |
| Q3 2024 | 1.43% |
| Q4 2024 | 1.39% |
| Q1 2025 | 1.26% |
| Q2 2025 | 1.10% |
| Q3 2025 | 1.13% |
| Q4 2025 | 1.36% |
| Q1 2026 | 1.23% |
| Q2 2026 | 1.02% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.52% |
| Q3 2024 | 0.56% |
| Q4 2024 | 0.51% |
| Q1 2025 | 0.50% |
| Q2 2025 | 0.68% |
| Q3 2025 | 0.60% |
| Q4 2025 | 0.55% |
| Q1 2026 | 0.70% |
| Q2 2026 | 1.03% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 77 | $617.6M | 14.39% | 1.02% | 1.03% | 83.4% |
| Q1 2026 | 72 | $613.8M | 14.13% | 1.23% | 0.70% | 84.2% |
| Q4 2025 | 69 | $610.8M | 13.98% | 1.36% | 0.55% | 85.2% |
| Q3 2025 | 71 | $609.1M | 13.95% | 1.13% | 0.60% | 87.2% |
| Q2 2025 | 72 | $603.9M | 13.96% | 1.10% | 0.68% | 86.0% |
| Q1 2025 | 69 | $605.5M | 13.71% | 1.26% | 0.50% | 79.6% |
| Q4 2024 | 69 | $593.1M | 13.87% | 1.39% | 0.51% | 81.2% |
| Q3 2024 | 69 | $595.6M | 13.75% | 1.43% | 0.56% | 76.3% |
| Q2 2024 | 70 | $567.4M | 14.06% | 1.34% | 0.52% | 78.5% |
1,341 peers · $100 million – $1 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Oregon
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Embold Federal Credit UnionCredit union Oregon City, OR | 60 out of 100, Moderate | $595.7M | 10.1% | 0.95% | vs |
| Cascade Community Federal Credit UnionCredit union Roseburg, OR | 98 out of 100, Very strong | $465.1M | 17.8% | 0.04% | vs |
| Consolidated Federal Credit UnionCredit union Portland, OR | 88 out of 100, Very strong | $833.7M | 15.3% | 0.27% | vs |
| Wauna Federal Credit UnionCredit union Clatskanie, OR | 58 out of 100, Moderate | $398.2M | 9.2% | 0.78% | vs |
| Sage Federal Credit UnionCredit union Klamath Falls, OR | 62 out of 100, Moderate | $385.1M | 10.1% | 0.86% | vs |
| Inroads Federal Credit UnionCredit union Saint Helens, OR | 45 out of 100, Below average | $340.0M | 8.1% | 1.15% | vs |
Deposit insurance
Is my money safe at Central Willamette Credit Union?
Yes. Central Willamette Credit Union is a federally insured credit union (NCUA charter #62665). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 5.9% of shares and deposits ($30.8M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 14.39%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
9 locations
Branches
Central Willamette Credit Union lists 9 offices in 6 cities. Most locations:
- Albany, OR (4)
- Bend, OR (1)
- Corvallis, OR (1)
- Lebanon, OR (1)
- Newport, OR (1)
- Salem, OR (1)
HMDA 2025
Mortgage lending
In 2025, Central Willamette Credit Union reported 139 home-loan applications under HMDA (LEI 549300CPJH6JMU13EQ37): 59 originated ($13,425,000 total), 20 denied, and 53 withdrawn or closed by the applicant. Its denial rate on decided applications was 23.3%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
CFPB TCCP survey · December 31, 2025
Credit card terms
| Card | Purchase APR | Annual fee | Late fee | Foreign fee |
|---|---|---|---|---|
| Visa Platinum | 10.24% – 21.75% | $0 | $25 | 1.0% |
Identity & history
Profile
- Legal name
- Central Willamette Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 62665
- RSSD ID
- 833598
- Primary regulator
- State + NCUA
- Established
- 1955
- Headquarters
- PO Box 1899, Albany, OR 97321
- Employees
- 143
Quick answers
Central Willamette Credit Union: common questions
Is Central Willamette Credit Union NCUA insured?
Yes. Central Willamette Credit Union is a federally insured credit union (NCUA charter #62665). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Central Willamette Credit Union's TellerScore?
77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Central Willamette Credit Union have?
9 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Albany
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Community Credit UnionCredit union Coquille, OR | 86 out of 100, Very strong | $1.9B | 13.3% | 0.04% | vs |
| Onpoint Community Credit UnionCredit union Portland, OR | 83 out of 100, Strong | $9.5B | 15.0% | 0.98% | vs |
| Ibew/Sj Cascade Federal Credit UnionCredit union Salem, OR | 82 out of 100, Strong | $22.5M | 14.1% | 1.31% | vs |
| Willamette Valley BankBank Salem, OR | 81 out of 100, Strong | $465.4M | 17.0% | 0.22% | vs |
| Pioneer Trust Bank, National AssociationBank Salem, OR | 81 out of 100, Strong | $712.5M | 15.3% | 1.32% | vs |
| People's Bank of CommerceBank Medford, OR | 78 out of 100, Strong | $776.7M | 15.3% | 0.90% | vs |