Headquartered in Portland, Oregon, Onpoint Community Credit Union is a federally insured state-chartered credit union with $9.5B in total assets and $7.9B in member shares and deposits as of Q2 2026. It operates 34 offices across 2 states. Its charter dates back to 1932.
Based on its Q2 2026 filing, Onpoint Community Credit Union scores 83/100, which we describe as strong. That is higher than 92% of 454 credit unions with $1 billion – $10 billion. Among 47 credit unions headquartered in Oregon, it ranks 8th. Its strongest component is capital cushion (100/100; 15.00%), and its lowest is loan quality (67/100; 0.98%).
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 2 points (81 → 83), mostly because the capital cushion component improved by 13 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 83 |
| Q3 2024 | 83 |
| Q4 2024 | 81 |
| Q1 2025 | 83 |
| Q2 2025 | 81 |
| Q3 2025 | 81 |
| Q4 2025 | 80 |
| Q1 2026 | 82 |
| Q2 2026 | 83 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 12.70% |
| Q3 2024 | 12.75% |
| Q4 2024 | 12.87% |
| Q1 2025 | 12.98% |
| Q2 2025 | 13.68% |
| Q3 2025 | 13.97% |
| Q4 2025 | 14.28% |
| Q1 2026 | 14.47% |
| Q2 2026 | 15.00% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.51% |
| Q3 2024 | 0.55% |
| Q4 2024 | 0.63% |
| Q1 2025 | 0.47% |
| Q2 2025 | 0.75% |
| Q3 2025 | 0.87% |
| Q4 2025 | 0.99% |
| Q1 2026 | 0.97% |
| Q2 2026 | 0.98% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.44% |
| Q3 2024 | 1.46% |
| Q4 2024 | 1.28% |
| Q1 2025 | 1.36% |
| Q2 2025 | 1.23% |
| Q3 2025 | 1.32% |
| Q4 2025 | 1.23% |
| Q1 2026 | 1.35% |
| Q2 2026 | 1.41% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 83 | $9.5B | 15.00% | 0.98% | 1.41% | 80.0% |
| Q1 2026 | 82 | $9.6B | 14.47% | 0.97% | 1.35% | 76.7% |
| Q4 2025 | 80 | $9.5B | 14.28% | 0.99% | 1.23% | 77.0% |
| Q3 2025 | 81 | $9.6B | 13.97% | 0.87% | 1.32% | 74.7% |
| Q2 2025 | 81 | $9.6B | 13.68% | 0.75% | 1.23% | 73.7% |
| Q1 2025 | 83 | $9.9B | 12.98% | 0.47% | 1.36% | 69.5% |
| Q4 2024 | 81 | $9.7B | 12.87% | 0.63% | 1.28% | 69.7% |
| Q3 2024 | 83 | $9.7B | 12.75% | 0.55% | 1.46% | 68.8% |
| Q2 2024 | 83 | $9.4B | 12.70% | 0.51% | 1.44% | 68.6% |
454 peers · $1 billion – $10 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 |
|---|---|---|---|---|---|
| Rogue Credit UnionCredit union Medford, OR | 67 out of 100, Moderate | $4.3B | 10.4% | 0.95% | vs |
| Oregon Community Credit UnionCredit union Eugene, OR | 55 out of 100, Moderate | $3.7B | 10.8% | 1.49% | vs |
| Rivermark Community Credit UnionCredit union Oregon City, OR | 58 out of 100, Moderate | $3.3B | 10.8% | 1.72% | vs |
| Selco Community Credit UnionCredit union Springfield, OR | 77 out of 100, Strong | $3.0B | 11.9% | 0.37% | vs |
| Oregon State Credit UnionCredit union Corvallis, OR | 76 out of 100, Strong | $2.8B | 11.8% | 0.58% | vs |
| First Community Credit UnionCredit union Coquille, OR | 86 out of 100, Very strong | $1.9B | 13.3% | 0.04% | vs |
Deposit insurance
Is my money safe at Onpoint Community Credit Union?
Yes. Onpoint Community Credit Union is a federally insured credit union (NCUA charter #62745). 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 3.6% of shares and deposits ($282.3M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 15.00%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
34 locations
Branches
Onpoint Community Credit Union lists 34 offices in 21 cities across 2 states. Most locations:
- Portland, OR (5)
- Beaverton, OR (3)
- Vancouver, WA (3)
- Bend, OR (2)
- Eugene, OR (2)
- Gresham, OR (2)
- Hillsboro, OR (2)
- Salem, OR (2)
- Clackamas, OR (1)
- Corvallis, OR (1)
- Keizer, OR (1)
- Lake Oswego, OR (1)
HMDA 2025
Mortgage lending
In 2025, Onpoint Community Credit Union reported 11,644 home-loan applications under HMDA (LEI 2549008LK3474E9U2888): 8,178 originated ($1,735,430,000 total), 1,855 denied, and 1,040 withdrawn or closed by the applicant. Its denial rate on decided applications was 17.5%, 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
- Onpoint Community Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 62745
- RSSD ID
- 852393
- Primary regulator
- State + NCUA
- Established
- 1932
- Headquarters
- PO Box 3750, Portland, OR 97208
- Employees
- 1,327
Quick answers
Onpoint Community Credit Union: common questions
Is Onpoint Community Credit Union NCUA insured?
Yes. Onpoint Community Credit Union is a federally insured credit union (NCUA charter #62745). 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 Onpoint Community Credit Union's TellerScore?
83 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 Onpoint Community Credit Union have?
34 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Portland
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Longshoremen'S Local 4 Federal Credit UnionCredit union Vancouver, WA | 94 out of 100, Very strong | $39.3M | 23.8% | 0.33% | vs |
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| Consolidated Federal Credit UnionCredit union Portland, OR | 88 out of 100, Very strong | $833.7M | 15.3% | 0.27% | vs |
| Cascade Federal Credit UnionCredit union Kent, WA | 88 out of 100, Very strong | $392.6M | 13.3% | 0.79% | vs |
| First Community Credit UnionCredit union Coquille, OR | 86 out of 100, Very strong | $1.9B | 13.3% | 0.04% | vs |
| Castparts Employees Federal Credit UnionCredit union Portland, OR | 85 out of 100, Very strong | $79.9M | 15.7% | 0.84% | vs |