TellerScore

Consolidated Federal Credit Union is a federal credit union headquartered in Portland, Oregon, in business for about 72 years. At the end of Q2 2026 it reported $833.7M in total assets and $698.1M in member shares and deposits, with 2 offices.

Based on its Q2 2026 filing, Consolidated Federal Credit Union scores 88/100, which we describe as very strong. That is higher than 92% of 1,341 credit unions with $100 million – $1 billion. Among 47 credit unions headquartered in Oregon, it ranks 4th. Its strongest component is capital cushion (100/100; 15.31%), and its lowest is earnings (65/100; 1.13%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.31%
Loan quality91/100
Loans 60+ days delinquent ÷ total loans: 0.27%
Earnings65/100
Return on assets (annualized): 1.13%
Funding & liquidity85/100
Loans ÷ shares: 75.3% · 8.7% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.15%

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 2 points (86 → 88), mostly because the earnings component improved by 13 points.

TellerScore
808488Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202483
Q3 202483
Q4 202480
Q1 202586
Q2 202586
Q3 202586
Q4 202586
Q1 202687
Q2 202688
Net worth ratio
7.00%13.22%19.45%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202419.45%
Q3 202419.11%
Q4 202418.62%
Q1 202515.44%
Q2 202515.58%
Q3 202515.85%
Q4 202515.97%
Q1 202615.01%
Q2 202615.31%
Delinquent loans (60+ days)
0.02%0.15%0.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.02%
Q3 20240.09%
Q4 20240.11%
Q1 20250.28%
Q2 20250.18%
Q3 20250.17%
Q4 20250.22%
Q1 20260.20%
Q2 20260.27%
Return on assets
0.27%0.70%1.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.62%
Q3 20240.63%
Q4 20240.27%
Q1 20250.91%
Q2 20250.80%
Q3 20250.92%
Q4 20250.91%
Q1 20260.88%
Q2 20261.13%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202688$833.7M15.31%0.27%1.13%75.3%
Q1 202687$831.2M15.01%0.20%0.88%74.5%
Q4 202586$693.3M15.97%0.22%0.91%80.4%
Q3 202586$687.7M15.85%0.17%0.92%81.9%
Q2 202586$689.2M15.58%0.18%0.80%81.4%
Q1 202586$685.6M15.44%0.28%0.91%81.6%
Q4 202480$510.2M18.62%0.11%0.27%92.1%
Q3 202483$502.4M19.11%0.09%0.63%94.9%
Q2 202483$489.1M19.45%0.02%0.62%98.1%

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).

Capital ratio15.31%
87th
Problem loans0.27%
84th
Net charge-offs0.06%
91st
Return on assets1.13%
74th
Loans to deposits75.3%
51st
Uninsured deposits8.7%
24th
Loan-loss reserves0.00%
50th
Texas ratio1.1%
88th

Similar-size credit unions in Oregon

InstitutionScoreAssetsCapitalProblem loansCompare
Mid Oregon Credit UnionCredit union Bend, OR80 out of 100, Strong$917.4M11.3%0.14%vs
Central Willamette Credit UnionCredit union Albany, OR77 out of 100, Strong$617.6M14.4%1.02%vs
Embold Federal Credit UnionCredit union Oregon City, OR60 out of 100, Moderate$595.7M10.1%0.95%vs
Cascade Community Federal Credit UnionCredit union Roseburg, OR98 out of 100, Very strong$465.1M17.8%0.04%vs
Wauna Federal Credit UnionCredit union Clatskanie, OR58 out of 100, Moderate$398.2M9.2%0.78%vs
Sage Federal Credit UnionCredit union Klamath Falls, OR62 out of 100, Moderate$385.1M10.1%0.86%vs

Deposit insurance

Is my money safe at Consolidated Federal Credit Union?

Yes. Consolidated Federal Credit Union is a federally insured credit union (NCUA charter #9292). 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 8.7% of shares and deposits ($60.7M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 15.31%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Consolidated Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Consolidated Federal Credit Union reported 620 home-loan applications under HMDA (LEI 549300KZVCKCUN23YY80): 411 originated ($67,285,000 total), 139 denied, and 69 withdrawn or closed by the applicant. Its denial rate on decided applications was 25.2%, 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.

Identity & history

Profile

Legal name
Consolidated Federal Credit Union
Type
Federal credit union
NCUA charter #
9292
RSSD ID
127288
Primary regulator
NCUA
Established
1954
Headquarters
1033 Ne 6th Ave, Portland, OR 97232
Employees
100

Quick answers

Consolidated Federal Credit Union: common questions

Is Consolidated Federal Credit Union NCUA insured?

Yes. Consolidated Federal Credit Union is a federally insured credit union (NCUA charter #9292). 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 Consolidated Federal Credit Union's TellerScore?

88 out of 100 (Very 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 Consolidated Federal Credit Union have?

2 offices as of the latest NCUA data.