TellerScore

Old West Federal Credit Union (NCUA charter #12012) is based in John Day, Oregon. Its Q2 2026 call report shows $319.0M in total assets and $278.3M in member shares and deposits and 8 offices.

Based on its Q2 2026 filing, Old West Federal Credit Union scores 63/100, which we describe as moderate. That is higher than only 29% of 1,341 credit unions with $100 million – $1 billion. Among 47 credit unions headquartered in Oregon, it ranks 31st. Its strongest component is funding & liquidity (88/100; 72% loans-to-deposits, 5% uninsured), and its lowest is earnings (35/100; 0.37%).

TellerScore · Q2 2026

Scorecard

Capital cushion70/100
Net worth ratio: 11.97%
Loan quality54/100
Loans 60+ days delinquent ÷ total loans: 1.37%
Earnings35/100
Return on assets (annualized): 0.37%
Funding & liquidity88/100
Loans ÷ shares: 71.8% · 4.8% uninsured
Problem-loan coverage85/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.40%

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 (63 → 63).

TellerScore
556167Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202462
Q4 202463
Q1 202567
Q2 202563
Q3 202567
Q4 202555
Q1 202659
Q2 202663
Net worth ratio
7.00%9.93%12.87%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.87%
Q3 202412.71%
Q4 202412.63%
Q1 202512.35%
Q2 202512.49%
Q3 202512.34%
Q4 202512.00%
Q1 202611.79%
Q2 202611.97%
Delinquent loans (60+ days)
1.20%1.80%2.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.70%
Q3 20241.73%
Q4 20241.63%
Q1 20251.20%
Q2 20251.67%
Q3 20251.31%
Q4 20252.40%
Q1 20261.69%
Q2 20261.37%
Return on assets
0.23%0.42%0.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.52%
Q3 20240.48%
Q4 20240.49%
Q1 20250.55%
Q2 20250.61%
Q3 20250.61%
Q4 20250.57%
Q1 20260.23%
Q2 20260.37%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$319.0M11.97%1.37%0.37%71.8%
Q1 202659$320.5M11.79%1.69%0.23%69.2%
Q4 202555$313.2M12.00%2.40%0.57%71.3%
Q3 202567$304.1M12.34%1.31%0.61%72.3%
Q2 202563$296.7M12.49%1.67%0.61%75.3%
Q1 202567$296.0M12.35%1.20%0.55%73.0%
Q4 202463$286.2M12.63%1.63%0.49%77.5%
Q3 202462$284.0M12.71%1.73%0.48%77.8%
Q2 202463$278.3M12.87%1.70%0.52%78.4%

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 ratio11.97%
57th
Problem loans1.37%
17th
Net charge-offs0.05%
92nd
Return on assets0.37%
23rd
Loans to deposits71.8%
57th
Uninsured deposits4.8%
62nd
Loan-loss reserves0.00%
50th
Texas ratio7.4%
24th

Similar-size credit unions in Oregon

InstitutionScoreAssetsCapitalProblem loansCompare
Pacific N W Federal Credit UnionCredit union Portland, OR67 out of 100, Moderate$317.3M9.8%0.31%vs
Oregonians Credit UnionCredit union Milwaukie, OR67 out of 100, Moderate$339.2M16.4%2.15%vs
Inroads Federal Credit UnionCredit union Saint Helens, OR45 out of 100, Below average$340.0M8.1%1.15%vs
Sage Federal Credit UnionCredit union Klamath Falls, OR62 out of 100, Moderate$385.1M10.1%0.86%vs
Nw Priority Credit UnionCredit union Portland, OR81 out of 100, Strong$247.7M17.1%1.10%vs
Wauna Federal Credit UnionCredit union Clatskanie, OR58 out of 100, Moderate$398.2M9.2%0.78%vs

Deposit insurance

Is my money safe at Old West Federal Credit Union?

Yes. Old West Federal Credit Union is a federally insured credit union (NCUA charter #12012). 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 4.8% of shares and deposits ($13.2M) 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 11.97%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

8 locations

Branches

Old West Federal Credit Union lists 8 offices in 8 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Old West Federal Credit Union
Type
Federal credit union
NCUA charter #
12012
RSSD ID
70889
Primary regulator
NCUA
Established
1957
Headquarters
650 W Main St, John Day, OR 97845
Employees
84

Quick answers

Old West Federal Credit Union: common questions

Is Old West Federal Credit Union NCUA insured?

Yes. Old West Federal Credit Union is a federally insured credit union (NCUA charter #12012). 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 Old West Federal Credit Union's TellerScore?

63 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 Old West Federal Credit Union have?

8 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near John Day

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of Eastern OregonBank Heppner, OR73 out of 100, Strong$933.6M11.6%1.22%vs