TellerScore

Trailhead Federal Credit Union (NCUA charter #644) is based in Portland, Oregon. Its Q2 2026 call report shows $156.0M in total assets and $140.8M in member shares and deposits and 1 office.

Based on its Q2 2026 filing, Trailhead Federal Credit Union scores 28/100, which we describe as low. That is higher than only 0% of 1,341 credit unions with $100 million – $1 billion. Among 47 credit unions headquartered in Oregon, it ranks 47th. Its strongest component is funding & liquidity (86/100; 74% loans-to-deposits, 2% uninsured), and its lowest is earnings (0/100; -1.30%).

TellerScore · Q2 2026

Scorecard

Capital cushion38/100
Net worth ratio: 8.80%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 4.14%
Earnings0/100
Return on assets (annualized): -1.30%
Funding & liquidity86/100
Loans ÷ shares: 74.0% · 1.6% uninsured
Problem-loan coverage37/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 31.46%

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 21 points (49 → 28), mostly because the loan quality component weakened by 45 points.

TellerScore
284460Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202453
Q3 202450
Q4 202460
Q1 202548
Q2 202549
Q3 202550
Q4 202536
Q1 202630
Q2 202628
Net worth ratio
7.00%8.66%10.32%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20249.85%
Q3 20249.52%
Q4 20249.94%
Q1 202510.19%
Q2 202510.14%
Q3 202510.32%
Q4 202510.13%
Q1 20269.18%
Q2 20268.80%
Delinquent loans (60+ days)
0.83%2.49%4.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20241.51%
Q3 20241.78%
Q4 20240.83%
Q1 20252.01%
Q2 20251.65%
Q3 20251.48%
Q4 20253.03%
Q1 20263.87%
Q2 20264.14%
Return on assets
-1.30%-0.55%0.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.19%
Q3 20240.15%
Q4 20240.15%
Q1 20250.01%
Q2 2025-0.28%
Q3 2025-0.41%
Q4 2025-0.24%
Q1 2026-1.18%
Q2 2026-1.30%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202628$156.0M8.80%4.14%-1.30%74.0%
Q1 202630$155.5M9.18%3.87%-1.18%73.8%
Q4 202536$156.4M10.13%3.03%-0.24%74.2%
Q3 202550$152.6M10.32%1.48%-0.41%76.0%
Q2 202549$157.8M10.14%1.65%-0.28%74.3%
Q1 202548$159.2M10.19%2.01%0.01%74.0%
Q4 202460$163.2M9.94%0.83%0.15%73.3%
Q3 202450$169.7M9.52%1.78%0.15%71.5%
Q2 202453$163.8M9.85%1.51%0.19%77.0%

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 ratio8.80%
11th
Problem loans4.14%
1st
Net charge-offs0.37%
49th
Return on assets-1.30%
0th
Loans to deposits74.0%
54th
Uninsured deposits1.6%
92nd
Loan-loss reserves0.00%
50th
Texas ratio31.5%
0th

Similar-size credit unions in Oregon

InstitutionScoreAssetsCapitalProblem loansCompare
Ironworkers USA Federal Credit UnionCredit union Portland, OR46 out of 100, Below average$155.9M11.1%2.97%vs
44 North Credit UnionCredit union Lebanon, OR61 out of 100, Moderate$157.6M12.8%1.76%vs
Heritage Grove Federal Credit UnionCredit union Salem, OR67 out of 100, Moderate$167.2M11.9%1.17%vs
Pacific Cascade Federal Credit UnionCredit union Eugene, OR65 out of 100, Moderate$139.9M10.5%0.54%vs
Nw Preferred Federal Credit UnionCredit union Tigard, OR79 out of 100, Strong$189.3M14.6%0.91%vs
Valley Credit UnionCredit union Salem, OR48 out of 100, Below average$118.6M12.8%5.22%vs

Deposit insurance

Is my money safe at Trailhead Federal Credit Union?

Yes. Trailhead Federal Credit Union is a federally insured credit union (NCUA charter #644). 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 1.6% of shares and deposits ($2.3M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.80%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Trailhead Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Trailhead Federal Credit Union
Type
Federal credit union
NCUA charter #
644
RSSD ID
127475
Primary regulator
NCUA
Established
1935
Headquarters
Po Box 2788, Portland, OR 97208
Employees
35

Quick answers

Trailhead Federal Credit Union: common questions

Is Trailhead Federal Credit Union NCUA insured?

Yes. Trailhead Federal Credit Union is a federally insured credit union (NCUA charter #644). 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 Trailhead Federal Credit Union's TellerScore?

28 out of 100 (Low), 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 Trailhead Federal Credit Union have?

1 office 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