# EMBOLD
Oregon City, OR · NCUA charter 11793 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/embold-11793

Who the members are: federal charter, community charter, organized 1957. 36,496 members of 2,362,979 potential (1.5% of the field); checking penetration 74% (share draft accounts per 100 members); loans per 100 members 49.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $596.1M |
| Members | 36,496 (-0.0% YoY) |
| Full-time staff | 128 |
| Net worth | $59.4M |
| Net worth ratio | 10.0% (p43 of band) |
| ROA (annualized) | 0.15% (p12 of band) |
| Total delinquency | 1.16% (p84 of band) |
| Net charge-offs (annualized) | 0.98% (p86 of band) |
| Loans / shares | 81% (p51 of band) |
| Cash / assets | 9.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.34% (p94 of band) |
| Operating expense / assets | 4.38% (p84 of band) |
| Vehicles % of loans | 33% (p60 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 76% |
| Third-party paper % of net worth | 195% (p73 of band) |
| Vehicle delinquency | 0.94% (p73 of band) |
| Vehicle NCO | 3.22% (p96 of band) |
| Repossessed % of vehicle book | 0.26% (p87 of band) |
| Real estate % of loans | 37% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 143% |
| Core shares % of member funds | 54% |
| Certificates % of member funds | 18% |
| Average share balance | $6,819 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $0 |
| Loans outstanding per 100 members | 49% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $24,086 |
| Loans granted, annualized | $83.9M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $0 outstanding purchased (0.0% of net worth), $9.9M sold and retained. Sold in 3 and bought in 0 of the last 8 quarters. Shares -0.9% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 | net worth falling | 3rd-party paper>100% NW |
| 2017-09 | 2 | 3rd-party paper>100% NW |  |
| 2017-12 | 1 |  | net worth falling |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 3 | net worth falling, margin squeeze |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 2 |  | net worth falling |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | margin squeeze |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | net worth falling, delinquency rising |  |
| 2022-06 | 2 |  | net worth falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | charge-offs p90 |  |
| 2023-03 | 3 | losing money | delinquency rising |
| 2023-06 | 3 | delinquency rising | charge-offs p90 |
| 2023-09 | 4 | assets shrinking |  |
| 2023-12 | 5 | expense trap |  |
| 2024-03 | 6 | thin capital, net worth falling | assets shrinking |
| 2024-06 | 1 |  | losing money, delinquency rising, expense trap, thin capital, net worth falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 3 | losing money, expense trap |  |
| 2025-06 | 2 |  | losing money |
| 2025-09 | 1 |  | expense trap |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | delinquency rising |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-06-21 [Embold Credit Union CEO: Tougher times are looming - American Banker](https://news.google.com/rss/articles/CBMinwFBVV95cUxQdGNsUjA1TzRINWFoSk9zcXZMLUQ1UDR2REF5M0RwdjBrZUVEN2Q3VGhkcGNjbXh5ZmduZmdpTTNPQVRybThRNkFxdlMxV0plWXhQaV9NREFSVkxUaC1mdlpyeWNkMG0wNUI3alNzTFh4eHpGVklhXzBnTVJrTG9XaEk5bWhFZV84SmFNR2dRd3A3eHZmQ24yMEtJV3dLNmM?oc=5) · American Banker
- 2023-01-31 [Portland area's Clackamas Federal Credit Union changes name to Embold - The Business Journals](https://news.google.com/rss/articles/CBMimgFBVV95cUxOb0xkSUY5MkFNR2F2eXN6R2phcE9vUWJBSExYdGdkTzRfNk1seU5YMmZXaDFxR09NLWJlUy1haXR5RUFuZUFCMnhNeGFMVjNOdVBnQlBVRERyTlVZWVdPby1NcEVSQ3U5dHVLWWxfLWt6NDl3SU8wNm9UcHZYQzZXeUNSMTNtQVJrZngxMGVnMDhpaldKT2NXc1ln?oc=5) · The Business Journals
- 2025-10-09 [Powerlist: Credit Unions - oregonbusiness.com](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBHNGdGRndIcGtFMTVKM280WTh6cWYwRE9QZVpkcktRT2kwSDh4WWd6ZEktVGZ2V3l6U3dDNGxJUzBsazUySmtOS3pkaEU1aGFWTlhvMmZhQVFBVWhZaUVMNA?oc=5) · oregonbusiness.com
- 2023-02-01 [Clackamas Federal Credit Union rebrands itself - Oregon City News](https://news.google.com/rss/articles/CBMilgFBVV95cUxOZXQwdHNELUk3VnVoRjh3RmtoX3hMQmFCblRWbUh5d0dhUE4tR1pwRDNYZW85R2VPamUxQ2VGWjMwMDN0MkRVX1MxaHI4NnZUay1IRFNGVUhFdnhXRFBrZDZIQlI3ZWgyXzkyTVNGUFQtRnk4bGJLZk51THpERGVFc1B4bFhMRUt5VXRPd19TenJVeEVOMHc?oc=5) · Oregon City News
- 2026-08-27 [Banks, credit unions mount ‘Banks for the Bank Diaper Drive’ in Yamhill County - Your Oregon News](https://news.google.com/rss/articles/CBMitAFBVV95cUxOTnZmMzBXTmxieVV3Z0UzeFRCbXFPRmdvTUhvV1RBb0g4MHpROVRYd291VU1ldHdIbEkzeF9nSFMyU291NUcyNzFwcXlmMDBVQWdhQjRjRnJIT0YyTXVzQ2tnald1aUZZTUFTbGtxRk9jZUI0aGVFbUVhNG1oOUJSVkh4Wi10dTVWcEJ4MVdobHJZWGxqM2xhdHBpM0c1ajBsRjc0dHcyanZ1cW4tMUsxOEdLcDQ?oc=5) · Your Oregon News
- 2024-06-26 [Columbia Credit Union names Heather Friend as Chief Operating Officer - Vancouver Business Journal](https://news.google.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?oc=5) · Vancouver Business Journal
- 2024-12-23 [2025 Power Book: Credit Unions - oregonbusiness.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTE12NWlERjQ4Qjhhb2s3cVdRVHVYV0prNjZUS3NROUpPaU90ZGxPOG8yMWFQM3cyb0ZEVERzRFhQZmVEbzNpOTNLbnBFNzc4S1dzNktGVWtMcm5NU3dLUGJlWi1GdDhQWldh?oc=5) · oregonbusiness.com
- 2024-10-11 [Holloman wins first Crown of Yamhill County honor - News-Register](https://news.google.com/rss/articles/CBMitwFBVV95cUxPU1FKckVrdHR6NDFZaE80QkY5VGhiMmF5Y2l2dEZoYzlCcTZMMUFHclJqamlqbFZLQUpqd1JxQ0hQQm9hQjJxSHZtQzFZZFRzZGt4czIyU19LUk9BUXBTa1RMTWJNemRyYUw3MC1oX0RCazhBekJOUFpIUlM3a0hKMUc5OFNnZTB6OUZKWUluN2VYUXNSTDE3WElpSERhR3JWNlBWbVJIU0dCMk1TM0hiZ24wYW5zVEE?oc=5) · News-Register

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11793 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/17.json (key "11793", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=11793
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide