TellerScore

Headquartered in Klamath Falls, Oregon, Sage Federal Credit Union is a federal credit union with $385.1M in total assets and $343.2M in member shares and deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1936.

Sage Federal Credit Union has a TellerScore of 62 out of 100 (moderate) based on Q2 2026 data — higher than only 26% of its 1,341 credit unions with $100 million – $1 billion. Among 47 credit unions headquartered in Oregon, it ranks 33rd. Problem-loan coverage contributes the most (87/100, 6.3%); earnings contributes the least (38/100, 0.44%).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Net worth ratio: 10.10%
Loan quality71/100
Loans 60+ days delinquent ÷ total loans: 0.86%
Earnings38/100
Return on assets (annualized): 0.44%
Funding & liquidity81/100
Loans ÷ shares: 79.3% · 8.1% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.28%

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 fell 4 points (66 → 62), mostly because the earnings component weakened by 15 points.

TellerScore
626873Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202472
Q4 202473
Q1 202568
Q2 202566
Q3 202567
Q4 202568
Q1 202666
Q2 202662
Net worth ratio
7.00%8.55%10.10%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.56%
Q3 20249.71%
Q4 20249.91%
Q1 20259.88%
Q2 20259.96%
Q3 20259.83%
Q4 20259.97%
Q1 20269.96%
Q2 202610.10%
Delinquent loans (60+ days)
0.55%0.70%0.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.55%
Q3 20240.63%
Q4 20240.58%
Q1 20250.60%
Q2 20250.68%
Q3 20250.60%
Q4 20250.57%
Q1 20260.55%
Q2 20260.86%
Return on assets
0.44%0.93%1.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.42%
Q3 20241.39%
Q4 20241.40%
Q1 20250.86%
Q2 20250.82%
Q3 20250.80%
Q4 20250.81%
Q1 20260.59%
Q2 20260.44%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$385.1M10.10%0.86%0.44%79.3%
Q1 202666$387.8M9.96%0.55%0.59%75.9%
Q4 202568$381.7M9.97%0.57%0.81%76.1%
Q3 202567$378.3M9.83%0.60%0.80%76.5%
Q2 202566$366.0M9.96%0.68%0.82%76.9%
Q1 202568$361.5M9.88%0.60%0.86%72.6%
Q4 202473$352.4M9.91%0.58%1.40%71.5%
Q3 202472$346.3M9.71%0.63%1.39%70.0%
Q2 202472$339.0M9.56%0.55%1.42%71.2%

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 ratio10.10%
30th
Problem loans0.86%
38th
Net charge-offs0.50%
36th
Return on assets0.44%
26th
Loans to deposits79.3%
42nd
Uninsured deposits8.1%
28th
Loan-loss reserves0.00%
50th
Texas ratio6.3%
29th

Similar-size credit unions in Oregon

InstitutionScoreAssetsCapitalProblem loansCompare
Wauna Federal Credit UnionCredit union Clatskanie, OR58 out of 100, Moderate$398.2M9.2%0.78%vs
Inroads Federal Credit UnionCredit union Saint Helens, OR45 out of 100, Below average$340.0M8.1%1.15%vs
Oregonians Credit UnionCredit union Milwaukie, OR67 out of 100, Moderate$339.2M16.4%2.15%vs
Old West Federal Credit UnionCredit union John Day, OR63 out of 100, Moderate$319.0M12.0%1.37%vs
Pacific N W Federal Credit UnionCredit union Portland, OR67 out of 100, Moderate$317.3M9.8%0.31%vs
Cascade Community Federal Credit UnionCredit union Roseburg, OR98 out of 100, Very strong$465.1M17.8%0.04%vs

Deposit insurance

Is my money safe at Sage Federal Credit Union?

Yes. Sage Federal Credit Union is a federally insured credit union (NCUA charter #960). 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 8.1% of shares and deposits ($27.9M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.10%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Sage Federal Credit Union lists 5 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Sage Federal Credit Union
Type
Federal credit union
NCUA charter #
960
RSSD ID
149972
Primary regulator
NCUA
Established
1936
Headquarters
PO Box 1179, Klamath Falls, OR 97601
Employees
103

Quick answers

Sage Federal Credit Union: common questions

Is Sage Federal Credit Union NCUA insured?

Yes. Sage Federal Credit Union is a federally insured credit union (NCUA charter #960). 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 Sage Federal Credit Union's TellerScore?

62 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 Sage Federal Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Klamath Falls

InstitutionScoreAssetsCapitalProblem loansCompare
First Community Credit UnionCredit union Coquille, OR86 out of 100, Very strong$1.9B13.3%0.04%vs
People's Bank of CommerceBank Medford, OR78 out of 100, Strong$776.7M15.3%0.90%vs
Rogue Credit UnionCredit union Medford, OR67 out of 100, Moderate$4.3B10.4%0.95%vs
Columbia BankBank Roseburg, OR64 out of 100, Moderate$65.4B9.7%0.57%vs
First Interstate BankBank Billings, MT62 out of 100, Moderate$25.8B9.4%1.12%vs
WaFd BankBank Seattle, WA61 out of 100, Moderate$27.6B9.2%0.63%vs