TellerScore

Headquartered in Portland, Oregon, Pacific N W Federal Credit Union is a federal credit union with $317.3M in total assets and $280.7M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1942.

Pacific N W Federal Credit Union has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 41% of its 1,341 credit unions with $100 million – $1 billion. Among 47 credit unions headquartered in Oregon, it ranks 26th. Problem-loan coverage contributes the most (95/100, 2.4%); earnings contributes the least (46/100, 0.64%).

TellerScore · Q2 2026

Scorecard

Capital cushion48/100
Net worth ratio: 9.84%
Loan quality90/100
Loans 60+ days delinquent ÷ total loans: 0.31%
Earnings46/100
Return on assets (annualized): 0.64%
Funding & liquidity76/100
Loans ÷ shares: 84.7% · 6.8% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.36%

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 3 points (64 → 67), mostly because the loan quality component improved by 8 points.

TellerScore
606467Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202461
Q4 202460
Q1 202561
Q2 202564
Q3 202563
Q4 202564
Q1 202663
Q2 202667
Net worth ratio
7.00%8.42%9.84%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.42%
Q3 20249.46%
Q4 20249.33%
Q1 20259.38%
Q2 20259.42%
Q3 20259.39%
Q4 20259.64%
Q1 20269.60%
Q2 20269.84%
Delinquent loans (60+ days)
0.31%0.54%0.77%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.75%
Q3 20240.70%
Q4 20240.77%
Q1 20250.59%
Q2 20250.54%
Q3 20250.52%
Q4 20250.48%
Q1 20260.38%
Q2 20260.31%
Return on assets
0.26%0.45%0.64%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.40%
Q3 20240.32%
Q4 20240.31%
Q1 20250.26%
Q2 20250.49%
Q3 20250.41%
Q4 20250.53%
Q1 20260.37%
Q2 20260.64%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$317.3M9.84%0.31%0.64%84.7%
Q1 202663$317.9M9.60%0.38%0.37%85.1%
Q4 202564$313.3M9.64%0.48%0.53%82.5%
Q3 202563$315.4M9.39%0.52%0.41%77.3%
Q2 202564$312.1M9.42%0.54%0.49%76.3%
Q1 202561$307.5M9.38%0.59%0.26%73.3%
Q4 202460$306.8M9.33%0.77%0.31%71.1%
Q3 202461$301.3M9.46%0.70%0.32%73.6%
Q2 202461$301.6M9.42%0.75%0.40%73.7%

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 ratio9.84%
26th
Problem loans0.31%
82nd
Net charge-offs0.50%
35th
Return on assets0.64%
42nd
Loans to deposits84.7%
29th
Uninsured deposits6.8%
42nd
Loan-loss reserves0.00%
50th
Texas ratio2.4%
71st

Similar-size credit unions in Oregon

InstitutionScoreAssetsCapitalProblem loansCompare
Old West Federal Credit UnionCredit union John Day, OR63 out of 100, Moderate$319.0M12.0%1.37%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 Pacific N W Federal Credit Union?

Yes. Pacific N W Federal Credit Union is a federally insured credit union (NCUA charter #4878). 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 6.8% of shares and deposits ($19.1M) 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 9.84%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Pacific N W Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Pacific N W Federal Credit Union reported 94 home-loan applications under HMDA (LEI 254900HD4RROQDXNWI45): 60 originated ($11,460,000 total), 16 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 17.4%, 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
Pacific N W Federal Credit Union
Type
Federal credit union
NCUA charter #
4878
RSSD ID
97176
Primary regulator
NCUA
Established
1942
Headquarters
12005 Ne Erin Way, Portland, OR 97220
Employees
63

Quick answers

Pacific N W Federal Credit Union: common questions

Is Pacific N W Federal Credit Union NCUA insured?

Yes. Pacific N W Federal Credit Union is a federally insured credit union (NCUA charter #4878). 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 Pacific N W Federal Credit Union's TellerScore?

67 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 Pacific N W Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Portland

InstitutionScoreAssetsCapitalProblem loansCompare
Longshoremen'S Local 4 Federal Credit UnionCredit union Vancouver, WA94 out of 100, Very strong$39.3M23.8%0.33%vs
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
Consolidated Federal Credit UnionCredit union Portland, OR88 out of 100, Very strong$833.7M15.3%0.27%vs
Cascade Federal Credit UnionCredit union Kent, WA88 out of 100, Very strong$392.6M13.3%0.79%vs
First Community Credit UnionCredit union Coquille, OR86 out of 100, Very strong$1.9B13.3%0.04%vs
Castparts Employees Federal Credit UnionCredit union Portland, OR85 out of 100, Very strong$79.9M15.7%0.84%vs