TellerScore

Umatilla County Federal Credit Union is a federal credit union headquartered in Pendleton, Oregon, in business for about 43 years. At the end of Q2 2026 it reported $47.7M in total assets and $38.6M in member shares and deposits, with 2 offices across 2 states.

Based on its Q2 2026 filing, Umatilla County Federal Credit Union scores 92/100, which we describe as very strong. That is higher than 92% of 2,479 credit unions with under $100 million in assets. Among 47 credit unions headquartered in Oregon, it ranks 2nd. Its strongest component is capital cushion (100/100; 18.97%), and its lowest is funding & liquidity (79/100; 81% loans-to-deposits, 2% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 18.97%
Loan quality98/100
Loans 60+ days delinquent ÷ total loans: 0.06%
Earnings80/100
Return on assets (annualized): 1.51%
Funding & liquidity79/100
Loans ÷ shares: 81.3% · 1.5% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.22%

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 (88 → 92), mostly because the earnings component improved by 13 points.

TellerScore
838893Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202488
Q3 202485
Q4 202488
Q1 202586
Q2 202588
Q3 202583
Q4 202583
Q1 202693
Q2 202692
Net worth ratio
7.00%12.98%18.97%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.55%
Q3 202416.68%
Q4 202417.41%
Q1 202517.51%
Q2 202517.84%
Q3 202517.80%
Q4 202518.29%
Q1 202618.36%
Q2 202618.97%
Delinquent loans (60+ days)
0.00%0.25%0.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.03%
Q3 20240.00%
Q4 20240.25%
Q1 20250.36%
Q2 20250.29%
Q3 20250.51%
Q4 20250.32%
Q1 20260.03%
Q2 20260.06%
Return on assets
0.33%0.92%1.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.71%
Q3 20240.33%
Q4 20241.01%
Q1 20250.91%
Q2 20251.18%
Q3 20250.75%
Q4 20250.49%
Q1 20261.45%
Q2 20261.51%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202692$47.7M18.97%0.06%1.51%81.3%
Q1 202693$48.3M18.36%0.03%1.45%77.5%
Q4 202583$48.3M18.29%0.32%0.49%77.5%
Q3 202583$49.2M17.80%0.51%0.75%77.0%
Q2 202588$49.0M17.84%0.29%1.18%76.9%
Q1 202586$49.1M17.51%0.36%0.91%74.2%
Q4 202488$48.7M17.41%0.25%1.01%73.3%
Q3 202485$50.1M16.68%0.00%0.33%71.5%
Q2 202488$53.1M15.55%0.03%0.71%69.9%

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 ratio18.97%
74th
Problem loans0.06%
83rd
Net charge-offs0.00%
77th
Return on assets1.51%
85th
Loans to deposits81.3%
18th
Uninsured deposits1.5%
49th
Loan-loss reserves0.00%
37th
Texas ratio0.2%
81st

Similar-size credit unions in Oregon

InstitutionScoreAssetsCapitalProblem loansCompare
Cutting Edge Federal Credit UnionCredit union Milwaukie, OR66 out of 100, Moderate$53.1M9.4%0.24%vs
United Trades Federal Credit UnionCredit union Tualatin, OR63 out of 100, Moderate$56.2M13.0%1.60%vs
Eweb Employees Federal Credit UnionCredit union Eugene, OR86 out of 100, Very strong$34.8M13.6%0.12%vs
Northwest Adventist Federal Credit UnionCredit union Portland, OR78 out of 100, Strong$33.9M15.2%0.71%vs
Gateway Credit UnionCredit union Springfield, OR83 out of 100, Strong$31.4M21.9%0.36%vs
Emerald Empire Federal Credit UnionCredit union Springfield, OR73 out of 100, Strong$28.8M20.2%0.64%vs

Deposit insurance

Is my money safe at Umatilla County Federal Credit Union?

Yes. Umatilla County Federal Credit Union is a federally insured credit union (NCUA charter #23986). 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 1.5% of shares and deposits ($590K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 18.97%, well 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

Umatilla County Federal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Umatilla County Federal Credit Union
Type
Federal credit union
NCUA charter #
23986
RSSD ID
91790
Primary regulator
NCUA
Established
1983
Headquarters
PO Box 1305, Pendleton, OR 97801
Employees
5

Quick answers

Umatilla County Federal Credit Union: common questions

Is Umatilla County Federal Credit Union NCUA insured?

Yes. Umatilla County Federal Credit Union is a federally insured credit union (NCUA charter #23986). 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 Umatilla County Federal Credit Union's TellerScore?

92 out of 100 (Very 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 Umatilla County Federal Credit Union have?

2 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Pendleton

InstitutionScoreAssetsCapitalProblem loansCompare
First Community Credit UnionCredit union Coquille, OR86 out of 100, Very strong$1.9B13.3%0.04%vs
Bank of Eastern OregonBank Heppner, OR73 out of 100, Strong$933.6M11.6%1.22%vs
Banner BankBank Walla Walla, WA72 out of 100, Strong$16.6B11.2%0.46%vs
Columbia BankBank Roseburg, OR64 out of 100, Moderate$65.4B9.7%0.57%vs
Old West Federal Credit UnionCredit union John Day, OR63 out of 100, Moderate$319.0M12.0%1.37%vs
BMO Bank National AssociationBank Chicago, IL58 out of 100, Moderate$255.0B11.3%0.92%vs