OnPoint Community Credit Union
Total assets
$9.65B
▼ -2.4% YoY
Shares & deposits
$8.04B
▼ -4.5% YoY
Loans
$6.17B
▲ +5.4% YoY
Members
648,972
▲ +6.6% YoY
ROA (annualized)
1.35%
peers 0.71%
ROE (annualized)
9.33%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.4% | +5.1% | -7.5 pts |
| Share growth (YoY) | -4.5% | +4.9% | -9.3 pts |
| Loan growth (YoY) | +5.4% | +5.4% | -0.1 pts |
| ROA | 1.35% | 0.71% | +0.6 pts |
| ROE | 9.3% | 6.3% | +3.1 pts |
ROA ranks in the 88th percentile of its peer group · Q1 2026
Profile
- Established
- 1932
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- Po Box 3750, Portland, OR, 97208
- NCUA charter #
- 62745
- RSSD ID
- 852393
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $9.65B | $8.04B | $6.17B | $1.40B | $32.6M | 1.35% | 3.69% | 0.97% | 648,972 |
| Q4 2025 | $9.54B | $7.97B | $6.14B | $1.36B | $117.4M | 1.23% | 3.63% | 0.99% | 637,073 |
| Q3 2025 | $9.62B | $8.10B | $6.05B | $1.35B | $95.1M | 1.32% | 3.57% | 0.87% | 631,292 |
| Q2 2025 | $9.56B | $8.08B | $5.96B | $1.31B | $58.9M | 1.23% | 3.56% | 0.75% | 618,571 |
| Q1 2025 | $9.88B | $8.42B | $5.85B | $1.28B | $33.6M | 1.36% | 3.40% | 0.47% | 608,583 |
| Q4 2024 | $9.71B | $8.27B | $5.76B | $1.25B | $124.7M | 1.28% | 3.32% | 0.63% | 594,521 |
| Q3 2024 | $9.68B | $8.27B | $5.69B | $1.24B | $105.8M | 1.46% | 3.30% | 0.55% | 585,168 |
| Q2 2024 | $9.43B | $8.04B | $5.52B | $1.20B | $68.1M | 1.44% | 3.34% | 0.51% | 571,213 |
Loan mix (Q1 2026): real estate $3.40B · commercial $680.2M · consumer $2.04B · securities $861.2M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.35% | 0.71% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 6.3% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.69% | 3.32% | 76th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.6% | 73.0% | 24th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar credit unions
- Pennsylvania State Employees Credit UnionHarrisburg, PA · $9.62B
- Patelco Credit UnionDublin, CA · $9.62B
- Wright-Patt Credit Union, Inc. Credit UnionBeavercreek, OH · $9.61B
- Star One Credit UnionSunnyvale, CA · $9.58B
- Logix Federal Credit UnionValencia, CA · $9.72B
- Desert Financial Credit UnionPhoenix, AZ · $9.79B
Selling to OnPoint Community Credit Union?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.