TellerScore

Headquartered in Clatskanie, Oregon, Wauna Federal Credit Union is a federal credit union with $398.2M in total assets and $359.3M in member shares and deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1967.

Based on its Q2 2026 filing, Wauna Federal Credit Union scores 58/100, which we describe as moderate. That is higher than only 16% of 1,341 credit unions with $100 million – $1 billion. Among 47 credit unions headquartered in Oregon, it ranks 40th. Its strongest component is problem-loan coverage (84/100; 8.1%), and its lowest is earnings (38/100; 0.45%).

TellerScore · Q2 2026

Scorecard

Capital cushion42/100
Net worth ratio: 9.18%
Loan quality74/100
Loans 60+ days delinquent ÷ total loans: 0.78%
Earnings38/100
Return on assets (annualized): 0.45%
Funding & liquidity74/100
Loans ÷ shares: 86.0% · 7.7% uninsured
Problem-loan coverage84/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.07%

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 2 points (56 → 58), mostly because the earnings component weakened by 13 points.

TellerScore
485460Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202448
Q3 202449
Q4 202448
Q1 202560
Q2 202556
Q3 202560
Q4 202559
Q1 202654
Q2 202658
Net worth ratio
7.00%8.09%9.18%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.45%
Q3 20247.57%
Q4 20247.43%
Q1 20257.87%
Q2 20258.07%
Q3 20258.49%
Q4 20258.70%
Q1 20268.99%
Q2 20269.18%
Delinquent loans (60+ days)
0.63%0.81%0.99%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.94%
Q3 20240.98%
Q4 20240.90%
Q1 20250.63%
Q2 20250.97%
Q3 20250.82%
Q4 20250.99%
Q1 20260.99%
Q2 20260.78%
Return on assets
-0.03%0.51%1.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.03%
Q3 20240.09%
Q4 20240.06%
Q1 20251.04%
Q2 20250.77%
Q3 20250.90%
Q4 20251.00%
Q1 20260.33%
Q2 20260.45%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$398.2M9.18%0.78%0.45%86.0%
Q1 202654$400.1M8.99%0.99%0.33%86.0%
Q4 202559$409.7M8.70%0.99%1.00%86.4%
Q3 202560$408.4M8.49%0.82%0.90%83.9%
Q2 202556$415.5M8.07%0.97%0.77%85.7%
Q1 202560$419.7M7.87%0.63%1.04%86.6%
Q4 202448$430.0M7.43%0.90%0.06%86.7%
Q3 202449$427.9M7.57%0.98%0.09%85.4%
Q2 202448$429.7M7.45%0.94%-0.03%87.5%

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 ratio9.18%
15th
Problem loans0.78%
43rd
Net charge-offs0.83%
15th
Return on assets0.45%
27th
Loans to deposits86.0%
26th
Uninsured deposits7.7%
32nd
Loan-loss reserves0.00%
50th
Texas ratio8.1%
21st

Similar-size credit unions in Oregon

InstitutionScoreAssetsCapitalProblem loansCompare
Sage Federal Credit UnionCredit union Klamath Falls, OR62 out of 100, Moderate$385.1M10.1%0.86%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
Cascade Community Federal Credit UnionCredit union Roseburg, OR98 out of 100, Very strong$465.1M17.8%0.04%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

Deposit insurance

Is my money safe at Wauna Federal Credit Union?

Yes. Wauna Federal Credit Union is a federally insured credit union (NCUA charter #17990). 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 ($27.8M) 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 9.18%, 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

Wauna Federal Credit Union lists 5 offices in 4 cities. Most locations:

  • Clatskanie, OR (2)
  • Saint Helens, OR (1)
  • Vernonia, OR (1)
  • Warrenton, OR (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Wauna Federal Credit Union reported 161 home-loan applications under HMDA (LEI 549300LVO8UXHRM8O957): 120 originated ($20,660,000 total), 27 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 17.1%, 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
Wauna Federal Credit Union
Type
Federal credit union
NCUA charter #
17990
RSSD ID
856186
Primary regulator
NCUA
Established
1967
Headquarters
PO Box 67, Clatskanie, OR 97016
Employees
112

Quick answers

Wauna Federal Credit Union: common questions

Is Wauna Federal Credit Union NCUA insured?

Yes. Wauna Federal Credit Union is a federally insured credit union (NCUA charter #17990). 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 Wauna Federal Credit Union's TellerScore?

58 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 Wauna Federal Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Clatskanie

InstitutionScoreAssetsCapitalProblem loansCompare
Mint Valley Federal Credit UnionCredit union Longview, WA87 out of 100, Very strong$23.7M19.3%0.10%vs
Pud Federal Credit UnionCredit union Longview, WA85 out of 100, Very strong$9.4M15.5%0.00%vs
Onpoint Community Credit UnionCredit union Portland, OR83 out of 100, Strong$9.5B15.0%0.98%vs
Fibre Federal Credit UnionCredit union Longview, WA75 out of 100, Strong$1.8B13.7%0.96%vs
Banner BankBank Walla Walla, WA72 out of 100, Strong$16.6B11.2%0.46%vs
Red Canoe Credit UnionCredit union Longview, WA72 out of 100, Strong$1.2B12.3%0.60%vs