TellerScore

Oregon State Credit Union (NCUA charter #68656) is based in Corvallis, Oregon. Its Q2 2026 call report shows $2.8B in total assets and $2.4B in member shares and deposits and 16 offices.

Oregon State Credit Union has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 79% of its 454 credit unions with $1 billion – $10 billion. Among 47 credit unions headquartered in Oregon, it ranks 19th. Problem-loan coverage contributes the most (92/100, 3.9%); capital cushion contributes the least (68/100, 11.75%).

TellerScore · Q2 2026

Scorecard

Capital cushion68/100
Net worth ratio: 11.75%
Loan quality81/100
Loans 60+ days delinquent ÷ total loans: 0.58%
Earnings73/100
Return on assets (annualized): 1.32%
Funding & liquidity76/100
Loans ÷ shares: 84.5% · 5.9% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.90%

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 (72 → 76), mostly because the earnings component improved by 11 points.

TellerScore
677276Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202469
Q4 202470
Q1 202573
Q2 202572
Q3 202572
Q4 202572
Q1 202671
Q2 202676
Net worth ratio
7.00%9.38%11.75%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.79%
Q3 202410.80%
Q4 202411.03%
Q1 202511.00%
Q2 202510.88%
Q3 202510.75%
Q4 202511.61%
Q1 202611.54%
Q2 202611.75%
Delinquent loans (60+ days)
0.48%0.61%0.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.74%
Q3 20240.66%
Q4 20240.57%
Q1 20250.48%
Q2 20250.48%
Q3 20250.49%
Q4 20250.70%
Q1 20260.63%
Q2 20260.58%
Return on assets
0.59%0.96%1.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.59%
Q3 20240.73%
Q4 20240.81%
Q1 20251.02%
Q2 20251.06%
Q3 20251.09%
Q4 20251.03%
Q1 20260.89%
Q2 20261.32%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$2.8B11.75%0.58%1.32%84.5%
Q1 202671$2.7B11.54%0.63%0.89%80.8%
Q4 202572$2.7B11.61%0.70%1.03%82.9%
Q3 202572$2.9B10.75%0.49%1.09%82.3%
Q2 202572$2.7B10.88%0.48%1.06%81.6%
Q1 202573$2.6B11.00%0.48%1.02%77.0%
Q4 202470$2.6B11.03%0.57%0.81%78.0%
Q3 202469$2.6B10.80%0.66%0.73%75.7%
Q2 202467$2.5B10.79%0.74%0.59%74.7%

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 ratio11.75%
65th
Problem loans0.58%
62nd
Net charge-offs0.74%
27th
Return on assets1.32%
85th
Loans to deposits84.5%
60th
Uninsured deposits5.9%
82nd
Loan-loss reserves0.00%
50th
Texas ratio3.9%
62nd

Similar-size credit unions in Oregon

InstitutionScoreAssetsCapitalProblem loansCompare
Selco Community Credit UnionCredit union Springfield, OR77 out of 100, Strong$3.0B11.9%0.37%vs
Rivermark Community Credit UnionCredit union Oregon City, OR58 out of 100, Moderate$3.3B10.8%1.72%vs
First Community Credit UnionCredit union Coquille, OR86 out of 100, Very strong$1.9B13.3%0.04%vs
Oregon Community Credit UnionCredit union Eugene, OR55 out of 100, Moderate$3.7B10.8%1.49%vs
Marion and Polk Schools Credit UnionCredit union Salem, OR59 out of 100, Moderate$1.9B9.6%1.32%vs
Unitus Community Credit UnionCredit union Tigard, OR63 out of 100, Moderate$1.8B9.9%0.43%vs

Deposit insurance

Is my money safe at Oregon State Credit Union?

Yes. Oregon State Credit Union is a federally insured credit union (NCUA charter #68656). 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 5.9% of shares and deposits ($141.3M) 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 11.75%, 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 State Credit Union lists 16 offices in 13 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Oregon State Credit Union reported 1,237 home-loan applications under HMDA (LEI 254900Z8J5L9POS71X51): 838 originated ($164,390,000 total), 150 denied, and 189 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.3%, 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.

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
Visa® Value Credit Card—$0$251.0%

All Oregon State Credit Union card terms

Identity & history

Profile

Legal name
Oregon State Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68656
RSSD ID
942481
Primary regulator
State + NCUA
Established
1954
Headquarters
PO Box 306, Corvallis, OR 97339
Employees
383

Quick answers

Oregon State Credit Union: common questions

Is Oregon State Credit Union NCUA insured?

Yes. Oregon State Credit Union is a federally insured credit union (NCUA charter #68656). 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 State Credit Union's TellerScore?

76 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 Oregon State Credit Union have?

16 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Corvallis

InstitutionScoreAssetsCapitalProblem loansCompare
Onpoint Community Credit UnionCredit union Portland, OR83 out of 100, Strong$9.5B15.0%0.98%vs
Willamette Valley BankBank Salem, OR81 out of 100, Strong$465.4M17.0%0.22%vs
Citizens BankBank Corvallis, OR78 out of 100, Strong$823.4M13.9%0.04%vs
People's Bank of CommerceBank Medford, OR78 out of 100, Strong$776.7M15.3%0.90%vs
Central Willamette Credit UnionCredit union Albany, OR77 out of 100, Strong$617.6M14.4%1.02%vs
Selco Community Credit UnionCredit union Springfield, OR77 out of 100, Strong$3.0B11.9%0.37%vs