TellerScore

Embold Federal Credit Union is a federal credit union headquartered in Oregon City, Oregon, in business for about 69 years. At the end of Q2 2026 it reported $595.7M in total assets and $529.4M in member shares and deposits, with 3 offices.

Embold Federal Credit Union has a TellerScore of 60 out of 100 (moderate) based on Q2 2026 data — higher than only 21% of its 1,341 credit unions with $100 million – $1 billion. Among 47 credit unions headquartered in Oregon, it ranks 35th. Problem-loan coverage contributes the most (86/100, 7.0%); earnings contributes the least (34/100, 0.35%).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Net worth ratio: 10.10%
Loan quality68/100
Loans 60+ days delinquent ÷ total loans: 0.95%
Earnings34/100
Return on assets (annualized): 0.35%
Funding & liquidity81/100
Loans ÷ shares: 79.7% · 7.8% uninsured
Problem-loan coverage86/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.97%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (59 → 60).

TellerScore
565962Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202457
Q3 202460
Q4 202459
Q1 202556
Q2 202559
Q3 202562
Q4 202558
Q1 202656
Q2 202660
Net worth ratio
7.00%8.55%10.10%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.22%
Q3 20249.50%
Q4 20249.58%
Q1 20259.47%
Q2 20259.64%
Q3 20259.83%
Q4 20259.99%
Q1 20269.96%
Q2 202610.10%
Delinquent loans (60+ days)
0.57%0.87%1.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.90%
Q3 20240.79%
Q4 20240.77%
Q1 20250.62%
Q2 20250.62%
Q3 20250.57%
Q4 20250.99%
Q1 20261.16%
Q2 20260.95%
Return on assets
-0.27%0.07%0.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.22%
Q3 20240.41%
Q4 20240.24%
Q1 2025-0.27%
Q2 20250.17%
Q3 20250.34%
Q4 20250.32%
Q1 20260.15%
Q2 20260.35%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202660$595.7M10.10%0.95%0.35%79.7%
Q1 202656$596.1M9.96%1.16%0.15%81.2%
Q4 202558$592.1M9.99%0.99%0.32%83.8%
Q3 202562$597.9M9.83%0.57%0.34%83.1%
Q2 202559$599.7M9.64%0.62%0.17%84.3%
Q1 202556$600.7M9.47%0.62%-0.27%83.6%
Q4 202459$597.6M9.58%0.77%0.24%80.7%
Q3 202460$608.4M9.50%0.79%0.41%78.5%
Q2 202457$613.7M9.22%0.90%0.22%77.8%

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 ratio10.10%
30th
Problem loans0.95%
32nd
Net charge-offs1.06%
8th
Return on assets0.35%
20th
Loans to deposits79.7%
41st
Uninsured deposits7.8%
31st
Loan-loss reserves0.00%
50th
Texas ratio7.0%
26th

Similar-size credit unions in Oregon

InstitutionScoreAssetsCapitalProblem loansCompare
Central Willamette Credit UnionCredit union Albany, OR77 out of 100, Strong$617.6M14.4%1.02%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
Consolidated Federal Credit UnionCredit union Portland, OR88 out of 100, Very strong$833.7M15.3%0.27%vs
Inroads Federal Credit UnionCredit union Saint Helens, OR45 out of 100, Below average$340.0M8.1%1.15%vs

Deposit insurance

Is my money safe at Embold Federal Credit Union?

Yes. Embold Federal Credit Union is a federally insured credit union (NCUA charter #11793). 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 7.8% of shares and deposits ($41.5M) 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 10.10%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Embold Federal Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Embold Federal Credit Union reported 449 home-loan applications under HMDA (LEI 549300VEJ302N3NLKA88): 298 originated ($51,100,000 total), 94 denied, and 49 withdrawn or closed by the applicant. Its denial rate on decided applications was 23.5%, 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
Embold Federal Credit Union
Type
Federal credit union
NCUA charter #
11793
RSSD ID
876689
Primary regulator
NCUA
Established
1957
Headquarters
PO Box 2020, Oregon City, OR 97045
Employees
128

Quick answers

Embold Federal Credit Union: common questions

Is Embold Federal Credit Union NCUA insured?

Yes. Embold Federal Credit Union is a federally insured credit union (NCUA charter #11793). 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 Embold Federal Credit Union's TellerScore?

60 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.

How many branches does Embold Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Oregon City

InstitutionScoreAssetsCapitalProblem loansCompare
Longshoremen'S Local 4 Federal Credit UnionCredit union Vancouver, WA94 out of 100, Very strong$39.3M23.8%0.33%vs
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
Consolidated Federal Credit UnionCredit union Portland, OR88 out of 100, Very strong$833.7M15.3%0.27%vs
Cascade Federal Credit UnionCredit union Kent, WA88 out of 100, Very strong$392.6M13.3%0.79%vs
First Community Credit UnionCredit union Coquille, OR86 out of 100, Very strong$1.9B13.3%0.04%vs
Castparts Employees Federal Credit UnionCredit union Portland, OR85 out of 100, Very strong$79.9M15.7%0.84%vs