TellerScore

Headquartered in Eugene, Oregon, Oregon Community Credit Union is a federally insured state-chartered credit union with $3.7B in total assets and $3.0B in member shares and deposits as of Q2 2026. It operates 16 offices. Its charter dates back to 1981.

Based on its Q2 2026 filing, Oregon Community Credit Union scores 55/100, which we describe as moderate. That is higher than only 13% of 454 credit unions with $1 billion – $10 billion. Among 47 credit unions headquartered in Oregon, it ranks 41st. Its strongest component is problem-loan coverage (69/100; 15.7%), and its lowest is funding & liquidity (50/100; 110% loans-to-deposits, 12% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Net worth ratio: 10.81%
Loan quality50/100
Loans 60+ days delinquent ÷ total loans: 1.49%
Earnings55/100
Return on assets (annualized): 0.86%
Funding & liquidity50/100
Loans ÷ shares: 110.1% · 12.0% uninsured
Problem-loan coverage69/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 15.75%

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 4 points (51 → 55), mostly because the problem-loan coverage component improved by 9 points.

TellerScore
445259Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202451
Q3 202450
Q4 202444
Q1 202550
Q2 202551
Q3 202551
Q4 202552
Q1 202659
Q2 202655
Net worth ratio
7.00%8.91%10.81%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20249.78%
Q3 202410.10%
Q4 202410.23%
Q1 202510.36%
Q2 202510.33%
Q3 202510.41%
Q4 202510.75%
Q1 202610.74%
Q2 202610.81%
Delinquent loans (60+ days)
1.33%1.87%2.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20241.47%
Q3 20241.84%
Q4 20242.41%
Q1 20251.94%
Q2 20251.65%
Q3 20251.82%
Q4 20251.77%
Q1 20261.33%
Q2 20261.49%
Return on assets
0.60%0.88%1.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.60%
Q3 20240.82%
Q4 20240.80%
Q1 20250.97%
Q2 20250.81%
Q3 20250.83%
Q4 20250.73%
Q1 20261.16%
Q2 20260.86%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202655$3.7B10.81%1.49%0.86%110.1%
Q1 202659$3.6B10.74%1.33%1.16%110.2%
Q4 202552$3.4B10.75%1.77%0.73%104.0%
Q3 202551$3.5B10.41%1.82%0.83%105.2%
Q2 202551$3.6B10.33%1.65%0.81%109.3%
Q1 202550$3.5B10.36%1.94%0.97%107.9%
Q4 202444$3.4B10.23%2.41%0.80%108.3%
Q3 202450$3.4B10.10%1.84%0.82%108.6%
Q2 202451$3.4B9.78%1.47%0.60%108.9%

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).

Capital ratio10.81%
48th
Problem loans1.49%
10th
Net charge-offs1.73%
2nd
Return on assets0.86%
56th
Loans to deposits110.1%
2nd
Uninsured deposits12.0%
27th
Loan-loss reserves0.00%
50th
Texas ratio15.7%
5th

Similar-size credit unions in Oregon

InstitutionScoreAssetsCapitalProblem loansCompare
Rivermark Community Credit UnionCredit union Oregon City, OR58 out of 100, Moderate$3.3B10.8%1.72%vs
Rogue Credit UnionCredit union Medford, OR67 out of 100, Moderate$4.3B10.4%0.95%vs
Selco Community Credit UnionCredit union Springfield, OR77 out of 100, Strong$3.0B11.9%0.37%vs
Oregon State Credit UnionCredit union Corvallis, OR76 out of 100, Strong$2.8B11.8%0.58%vs
First Community Credit UnionCredit union Coquille, OR86 out of 100, Very strong$1.9B13.3%0.04%vs
Marion and Polk Schools Credit UnionCredit union Salem, OR59 out of 100, Moderate$1.9B9.6%1.32%vs

Deposit insurance

Is my money safe at Oregon Community Credit Union?

Yes. Oregon Community Credit Union is a federally insured credit union (NCUA charter #65856). 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 12.0% of shares and deposits ($358.6M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 10.81%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

16 locations

Branches

Oregon Community Credit Union lists 16 offices in 9 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Oregon Community Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
65856
RSSD ID
603483
Primary regulator
State + NCUA
Established
1981
Headquarters
PO Box 77002, Eugene, OR 97401
Employees
671

Quick answers

Oregon Community Credit Union: common questions

Is Oregon Community Credit Union NCUA insured?

Yes. Oregon Community Credit Union is a federally insured credit union (NCUA charter #65856). 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 Oregon Community Credit Union's TellerScore?

55 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 Oregon Community Credit Union have?

16 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Eugene

InstitutionScoreAssetsCapitalProblem loansCompare
Onpoint Community Credit UnionCredit union Portland, OR83 out of 100, Strong$9.5B15.0%0.98%vs
Gateway Credit UnionCredit union Springfield, OR83 out of 100, Strong$31.4M21.9%0.36%vs
People's Bank of CommerceBank Medford, OR78 out of 100, Strong$776.7M15.3%0.90%vs
Citizens BankBank Corvallis, OR78 out of 100, Strong$823.4M13.9%0.04%vs
Selco Community Credit UnionCredit union Springfield, OR77 out of 100, Strong$3.0B11.9%0.37%vs
Oregon Pacific Banking Company dba Oregon Pacific BankBank Florence, OR74 out of 100, Strong$825.4M11.2%0.39%vs