TellerScore

Opc Federal Credit Union is a federal credit union headquartered in Durkee, Oregon, in business for about 54 years. At the end of Q2 2026 it reported $2.8M in total assets and $2.3M in member shares and deposits, with 1 office.

Opc Federal Credit Union has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 62% of its 2,479 credit unions with under $100 million in assets. Among 47 credit unions headquartered in Oregon, it ranks 15th. Earnings contributes the most (100/100, 3.03%); loan quality contributes the least (46/100, 1.63%).

TellerScore · Q2 2026

Scorecard

Capital cushion98/100
Net worth ratio: 14.75%
Loan quality46/100
Loans 60+ days delinquent ÷ total loans: 1.63%
Earnings100/100
Return on assets (annualized): 3.03%
Funding & liquidity62/100
Loans ÷ shares: 97.8% · 0.0% uninsured
Problem-loan coverage83/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.66%

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 15 points (64 → 79), mostly because the earnings component improved by 76 points.

TellerScore
627995Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202477
Q3 202486
Q4 202478
Q1 202592
Q2 202564
Q3 202562
Q4 202577
Q1 202695
Q2 202679
Net worth ratio
7.00%11.70%16.39%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.08%
Q3 202415.20%
Q4 202416.39%
Q1 202514.83%
Q2 202514.61%
Q3 202515.65%
Q4 202514.70%
Q1 202615.36%
Q2 202614.75%
Delinquent loans (60+ days)
0.00%1.34%2.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.17%
Q3 20240.10%
Q4 20240.07%
Q1 20250.03%
Q2 20251.39%
Q3 20252.68%
Q4 20251.21%
Q1 20260.00%
Q2 20261.63%
Return on assets
0.09%1.57%3.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.09%
Q3 20241.21%
Q4 20240.10%
Q1 20252.82%
Q2 20250.10%
Q3 20251.24%
Q4 20251.47%
Q1 20263.06%
Q2 20263.03%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$2.8M14.75%1.63%3.03%97.8%
Q1 202695$2.8M15.36%0.00%3.06%93.9%
Q4 202577$2.8M14.70%1.21%1.47%103.7%
Q3 202562$2.7M15.65%2.68%1.24%103.9%
Q2 202564$2.8M14.61%1.39%0.10%105.0%
Q1 202592$2.9M14.83%0.03%2.82%104.8%
Q4 202478$2.8M16.39%0.07%0.10%104.3%
Q3 202486$2.8M15.20%0.10%1.21%104.6%
Q2 202477$2.9M15.08%0.17%0.09%99.8%

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 ratio14.75%
52nd
Problem loans1.63%
26th
Net charge-offs0.00%
77th
Return on assets3.03%
99th
Loans to deposits97.8%
4th
Uninsured deposits0.0%
81st
Loan-loss reserves0.78%
81st
Texas ratio8.7%
16th

Similar-size credit unions in Oregon

InstitutionScoreAssetsCapitalProblem loansCompare
Machinists - Boilermakers Federal Credit UnionCredit union Gladstone, OR52 out of 100, Below average$3.2M13.6%2.30%vs
Radio Cab Credit UnionCredit union Portland, OR60 out of 100, Moderate$3.7M24.9%2.72%vs
South Coast Ilwu Federal Credit UnionCredit union North Bend, OR89 out of 100, Very strong$18.5M18.2%0.00%vs
Ibew/Sj Cascade Federal Credit UnionCredit union Salem, OR82 out of 100, Strong$22.5M14.1%1.31%vs
Emerald Empire Federal Credit UnionCredit union Springfield, OR73 out of 100, Strong$28.8M20.2%0.64%vs
Gateway Credit UnionCredit union Springfield, OR83 out of 100, Strong$31.4M21.9%0.36%vs

Deposit insurance

Is my money safe at Opc Federal Credit Union?

Yes. Opc Federal Credit Union is a federally insured credit union (NCUA charter #20951). 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 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 14.75%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Opc Federal Credit Union lists 1 office in 1 city. Most locations:

  • Durkee, OR (1)

All branch addresses and map

Identity & history

Profile

Legal name
Opc Federal Credit Union
Type
Federal credit union
NCUA charter #
20951
RSSD ID
140287
Primary regulator
NCUA
Established
1972
Headquarters
PO Box 145, Durkee, OR 97905
Employees
1

Quick answers

Opc Federal Credit Union: common questions

Is Opc Federal Credit Union NCUA insured?

Yes. Opc Federal Credit Union is a federally insured credit union (NCUA charter #20951). 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 Opc Federal Credit Union's TellerScore?

79 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 Opc Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Durkee

InstitutionScoreAssetsCapitalProblem loansCompare
Banner BankBank Walla Walla, WA72 out of 100, Strong$16.6B11.2%0.46%vs
Columbia BankBank Roseburg, OR64 out of 100, Moderate$65.4B9.7%0.57%vs
Old West Federal Credit UnionCredit union John Day, OR63 out of 100, Moderate$319.0M12.0%1.37%vs
Spokane Teachers Credit UnionCredit union Liberty Lake, WA57 out of 100, Moderate$6.4B10.4%1.39%vs
U.S. Bank National AssociationBank Cincinnati, OH55 out of 100, Moderate$705.6B9.5%1.45%vs