TellerScore

Cutting Edge Federal Credit Union (NCUA charter #8317) is based in Milwaukie, Oregon. Its Q2 2026 call report shows $53.1M in total assets and $47.1M in member shares and deposits.

Cutting Edge Federal Credit Union has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 32% of its 2,479 credit unions with under $100 million in assets. Among 47 credit unions headquartered in Oregon, it ranks 28th. Funding & liquidity contributes the most (100/100, 41% loans-to-deposits, 5% uninsured); earnings contributes the least (24/100, 0.09%).

TellerScore · Q2 2026

Scorecard

Capital cushion44/100
Net worth ratio: 9.39%
Loan quality92/100
Loans 60+ days delinquent ÷ total loans: 0.24%
Earnings24/100
Return on assets (annualized): 0.09%
Funding & liquidity100/100
Loans ÷ shares: 40.9% · 4.9% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.94%

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 (61 → 66), mostly because the earnings component improved by 15 points.

TellerScore
536066Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202459
Q4 202453
Q1 202558
Q2 202561
Q3 202559
Q4 202555
Q1 202659
Q2 202666
Net worth ratio
7.00%8.64%10.29%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.20%
Q3 20249.86%
Q4 20249.89%
Q1 202510.00%
Q2 202510.12%
Q3 202510.29%
Q4 20259.78%
Q1 20269.63%
Q2 20269.39%
Delinquent loans (60+ days)
0.20%0.76%1.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.20%
Q3 20240.58%
Q4 20241.32%
Q1 20250.78%
Q2 20250.65%
Q3 20250.93%
Q4 20251.06%
Q1 20261.11%
Q2 20260.24%
Return on assets
-2.63%-1.22%0.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-2.63%
Q3 2024-1.94%
Q4 2024-1.67%
Q1 2025-0.42%
Q2 2025-0.27%
Q3 2025-0.29%
Q4 2025-1.13%
Q1 20260.20%
Q2 20260.09%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$53.1M9.39%0.24%0.09%40.9%
Q1 202659$51.8M9.63%1.11%0.20%41.1%
Q4 202555$50.7M9.78%1.06%-1.13%42.9%
Q3 202559$53.1M10.29%0.93%-0.29%41.1%
Q2 202561$54.4M10.12%0.65%-0.27%40.9%
Q1 202558$55.3M10.00%0.78%-0.42%40.9%
Q4 202453$56.5M9.89%1.32%-1.67%41.5%
Q3 202459$58.0M9.86%0.58%-1.94%41.3%
Q2 202464$57.0M10.20%0.20%-2.63%43.8%

2,479 peers · Under $100 million in assets

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 ratio9.39%
12th
Problem loans0.24%
71st
Net charge-offs0.60%
23rd
Return on assets0.09%
23rd
Loans to deposits40.9%
77th
Uninsured deposits4.9%
22nd
Loan-loss reserves0.00%
37th
Texas ratio0.9%
66th

Similar-size credit unions in Oregon

InstitutionScoreAssetsCapitalProblem loansCompare
United Trades Federal Credit UnionCredit union Tualatin, OR63 out of 100, Moderate$56.2M13.0%1.60%vs
Umatilla County Federal Credit UnionCredit union Pendleton, OR92 out of 100, Very strong$47.7M19.0%0.06%vs
Benton County Schools Credit UnionCredit union Corvallis, OR73 out of 100, Strong$69.4M10.6%0.06%vs
Eweb Employees Federal Credit UnionCredit union Eugene, OR86 out of 100, Very strong$34.8M13.6%0.12%vs
Northwest Adventist Federal Credit UnionCredit union Portland, OR78 out of 100, Strong$33.9M15.2%0.71%vs
Gateway Credit UnionCredit union Springfield, OR83 out of 100, Strong$31.4M21.9%0.36%vs

Deposit insurance

Is my money safe at Cutting Edge Federal Credit Union?

Yes. Cutting Edge Federal Credit Union is a federally insured credit union (NCUA charter #8317). 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 4.9% of shares and deposits ($2.3M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 9.39%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Cutting Edge Federal Credit Union
Type
Federal credit union
NCUA charter #
8317
RSSD ID
466987
Primary regulator
NCUA
Established
1953
Headquarters
PO Box 22192, Milwaukie, OR 97269
Employees
13

Quick answers

Cutting Edge Federal Credit Union: common questions

Is Cutting Edge Federal Credit Union NCUA insured?

Yes. Cutting Edge Federal Credit Union is a federally insured credit union (NCUA charter #8317). 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 Cutting Edge Federal Credit Union's TellerScore?

66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.