TellerScore

Headquartered in Portland, Oregon, Point West Credit Union is a federally insured state-chartered credit union with $97.5M in total assets and $83.6M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1934.

Based on its Q2 2026 filing, Point West Credit Union scores 69/100, which we describe as moderate. That is higher than only 38% of 2,479 credit unions with under $100 million in assets. Among 47 credit unions headquartered in Oregon, it ranks 22nd. Its strongest component is problem-loan coverage (90/100; 5.0%), and its lowest is earnings (42/100; 0.55%).

TellerScore · Q2 2026

Scorecard

Capital cushion76/100
Net worth ratio: 12.64%
Loan quality70/100
Loans 60+ days delinquent ÷ total loans: 0.89%
Earnings42/100
Return on assets (annualized): 0.55%
Funding & liquidity78/100
Loans ÷ shares: 82.6% · 7.7% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.00%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (69 → 69).

TellerScore
626772Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202470
Q4 202468
Q1 202562
Q2 202569
Q3 202569
Q4 202566
Q1 202672
Q2 202669
Net worth ratio
7.00%9.82%12.64%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.80%
Q3 202410.99%
Q4 202411.15%
Q1 202511.04%
Q2 202512.01%
Q3 202512.21%
Q4 202512.40%
Q1 202612.20%
Q2 202612.64%
Delinquent loans (60+ days)
0.39%0.67%0.96%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.39%
Q3 20240.50%
Q4 20240.80%
Q1 20250.96%
Q2 20250.79%
Q3 20250.75%
Q4 20250.80%
Q1 20260.69%
Q2 20260.89%
Return on assets
0.16%0.49%0.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.50%
Q3 20240.82%
Q4 20240.77%
Q1 20250.20%
Q2 20250.62%
Q3 20250.59%
Q4 20250.16%
Q1 20260.76%
Q2 20260.55%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$97.5M12.64%0.89%0.55%82.6%
Q1 202672$102.0M12.20%0.69%0.76%82.7%
Q4 202566$100.4M12.40%0.80%0.16%86.9%
Q3 202569$104.6M12.21%0.75%0.59%87.2%
Q2 202569$105.2M12.01%0.79%0.62%81.6%
Q1 202562$112.0M11.04%0.96%0.20%77.5%
Q4 202468$110.4M11.15%0.80%0.77%83.2%
Q3 202470$110.5M10.99%0.50%0.82%83.8%
Q2 202467$108.0M10.80%0.39%0.50%88.6%

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 ratio12.64%
37th
Problem loans0.89%
42nd
Net charge-offs0.17%
51st
Return on assets0.55%
45th
Loans to deposits82.6%
17th
Uninsured deposits7.7%
11th
Loan-loss reserves0.00%
37th
Texas ratio5.0%
29th

Similar-size credit unions in Oregon

InstitutionScoreAssetsCapitalProblem loansCompare
Sunset Federal Credit UnionCredit union Portland, OR82 out of 100, Strong$91.8M16.2%0.66%vs
Forrit Credit UnionCredit union Clackamas, OR54 out of 100, Below average$82.0M10.3%1.02%vs
Castparts Employees Federal Credit UnionCredit union Portland, OR85 out of 100, Very strong$79.9M15.7%0.84%vs
Teamsters Council #37 Credit UnionCredit union Portland, OR68 out of 100, Moderate$76.1M15.4%2.53%vs
Benton County Schools Credit UnionCredit union Corvallis, OR73 out of 100, Strong$69.4M10.6%0.06%vs
United Trades Federal Credit UnionCredit union Tualatin, OR63 out of 100, Moderate$56.2M13.0%1.60%vs

Deposit insurance

Is my money safe at Point West Credit Union?

Yes. Point West Credit Union is a federally insured credit union (NCUA charter #63971). 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 7.7% of shares and deposits ($6.4M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 12.64%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Point West Credit Union lists 3 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Point West Credit Union reported 27 home-loan applications under HMDA (LEI 25490045AQF6IJKP4394): 17 originated ($1,715,000 total), 5 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 18.5%, 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
Point West Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
63971
RSSD ID
52492
Primary regulator
State + NCUA
Established
1934
Headquarters
PO Box 11999, Portland, OR 97211
Employees
27

Quick answers

Point West Credit Union: common questions

Is Point West Credit Union NCUA insured?

Yes. Point West Credit Union is a federally insured credit union (NCUA charter #63971). 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 Point West Credit Union's TellerScore?

69 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 Point West Credit Union have?

3 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