# ONPOINT COMMUNITY
Portland, OR · NCUA charter 62745 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/onpoint-community-62745

Who the members are: state charter, organized 1932. 648,972 members of 4,632,199 potential (14.0% of the field); checking penetration 85% (share draft accounts per 100 members); loans per 100 members 33.

**Verdict on the desk:** this could be *fortress*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $9.65B |
| Members | 648,972 (6.6% YoY) |
| Full-time staff | 1308 |
| Net worth | $1.40B |
| Net worth ratio | 14.5% (p92 of band) |
| ROA (annualized) | 1.35% (p88 of band) |
| Total delinquency | 0.97% (p78 of band) |
| Net charge-offs (annualized) | 0.42% (p37 of band) |
| Loans / shares | 77% (p26 of band) |
| Cash / assets | 24.0% |
| Borrowings / assets | 0.10% |
| Net interest margin | 3.69% (p76 of band) |
| Operating expense / assets | 3.27% (p54 of band) |
| Vehicles % of loans | 27% (p51 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 76% |
| Third-party paper % of net worth | 90% (p37 of band) |
| Vehicle delinquency | 0.49% (p39 of band) |
| Vehicle NCO | 0.56% (p22 of band) |
| Repossessed % of vehicle book | 0.10% (p58 of band) |
| Real estate % of loans | 55% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 49% |
| Core shares % of member funds | 51% |
| Certificates % of member funds | 2% |
| Average share balance | $5,700 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 33% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $28,613 |
| Loans granted, annualized | $2.43B |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 1 |  | net worth falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | leaning on borrowings |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | margin squeeze |  |
| 2020-06 | 3 | net worth falling | 3rd-party paper>100% NW |
| 2020-09 | 1 |  | leaning on borrowings, net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 1 |  | margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 0 |  | net worth falling |
| 2022-09 | 1 | delinquency rising |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | assets shrinking |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | 3rd-party paper>100% NW |  |
| 2023-12 | 2 |  | assets shrinking |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | delinquency rising |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | delinquency rising |  |
| 2025-12 | 1 |  | 3rd-party paper>100% NW |
| 2026-03 | 1 |  |  |

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

- 2026-09-08 [2026 OSAA(OR) OnPoint Community Credit Union Wrestling State Championships - FloWrestling](https://news.google.com/rss/articles/CBMinAJBVV95cUxQdVZpd1FDa3FqTHlnYzBJZlV6dllzZ1JvUlhJWVRITUcwWEE5Q3Iyd2VMbHhIeExyYTUxeXZOaUN4RV96eEtxaU9zLUVHTGw4STFlMVQ2MWJyM1NfNE5GMVZ5XzR3ZnBhNlBDOHZJTnNWWTlCd2tTc05DdDJmQ3J1MTlBRGs0MjM4RGVRdEJlMnF6Y2VPTlFQNGN6VlBQTENPQzhyR3BkSms5S2JoYVUxejgzY19mTnZGZGZyT1VPbkRpMnlYRDFTVDdBTTRlVHRqaUw4WjVLN0h0UTExR0hxeXA1cVBxeEpheUhLZzRWWWpqTEZZYzdsZm5VVmpBV0Q4XzVLS1NxbHJlOUdxcXVwWmpEZTlZTGdkcElZVg?oc=5) · FloWrestling
- 2026-08-27 [OnPoint Community Credit Union Opens First Branch In Camas, Ninth Overall In Clark County - Vancouver Business Journal](https://news.google.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?oc=5) · Vancouver Business Journal
- 2026-05-12 [OnPoint Community Credit Union Awards $40,000 in Scholarships - OSAA](https://news.google.com/rss/articles/CBMitwFBVV95cUxPNS1LVk5tS2tUT3pkSkRzSHc0NkZmd050ZGkzZUZwaWR5SjZLRUx2Y0VfeXFVdWdSdVdGQU1QbG5GSGt1SVhoWlZLcUVhZm5vdEFHZi1EOU9Rd3lmNkE3UG5faXhCWE1WS1ItZTVwanlYR0VLc0dXWk1weVNsWXBPN0I1X2tRbUp3enVFTkZra1k2cVNkbFNXSEswZlJaU29ZVzVHTlRkMUI3d3BWeVJuNEFocmRlcFk?oc=5) · OSAA
- 2026-03-17 [/C O R R E C T I O N -- OnPoint Community Credit Union/ - PR Newswire](https://news.google.com/rss/articles/CBMizgFBVV95cUxPenNMNzR2S0M0Y1VYanYyelF5cTd4MW5SaFlyRmRKVDBXMVhMZnRPNl9LQ1NGR0xyVEVOejFyVnZTUEJzaGRUdVhSa2R2ZnBFNE5DSWNRbkJyUk1ZbFhtWFpFOU9RYzhMT18yWTBQSXd3bmRoMzZTMW9WV1FIZFY5Sk9teXVTVmNTSzFVMVNROGVCWlRZOGNJSV9TUzdpcFFKVWlCVTJBZU1TNjl2aE02TjhNT0Z6SFJOcEo2WkVwTkkxS1B3WHZocnZrRE9LZw?oc=5) · PR Newswire
- 2026-07-09 [In the Community: OnPoint Community Credit Union Foundation - KGW](https://news.google.com/rss/articles/CBMi5AFBVV95cUxQSVMyN3VXYVdSNURzeWV6OG9GQm1QcUQ3VmlaeDFMM2dOenYwR0Rsd0wybG96OFp3V19vVkRSaWtGTGpCcVJ4LU02a0lRWmdPZTZfU0N5RE9WQi1kLWRTSnhLVjBTUlFjZVpfYWhwcEhWWm51RnYtdUdxS1dxMGZoUUdoOUVlTkFVNFlnWml2d2xfaHl0LXZ1cEZoQjdkT0FnRy1EOXZpQ2wtXzRFSTAwQmFqWWRTVTM2LWJPZ0xCcE5nX2U4VF9CQjFNbDV2X0lBZUxGWmhMeVgzbms4TzZWRnZTUDA?oc=5) · KGW
- 2026-09-01 [OnPoint Community Credit Union Donates $30,000 to Support Wildfire Relief - The Source - Bend, Oregon](https://news.google.com/rss/articles/CBMivgFBVV95cUxNZHcxUE5FcFBpdnVpMHJjRERYTEJ5VFdpRlFzekNGTkZCMXN5MzJ5Zl83a2JmOFltZS1PckxxeEo4YnF5d09zc3NtMlhKYV91bDJQTG1BRTlab0RKSjhyNk51OUlrZVFUM2dmZk4xaWlZcXQ4a1VRVjZEd2RtdXF2YlhvenhoREF0VTZXUnVlaU1ER1FoSzFZSlB6M3BxbzJkTDJPUG9ZOXh5MHhaenVHUUJCVmhFMU5JUjBRaHdB?oc=5) · The Source - Bend, Oregon
- 2026-08-17 [OnPoint Market Update: How nonprofits strengthen communities, support business and drive regional growth in Portland (video) - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQaXpyWExsTnItcjNxTktIMmxEYnd6anlmSWNER0Fzbzk5VmVuVnpkb1NJYjQxVl8yUXJzR3BBbFVEOC1qSkMzbWh0UFVxZEg0a2hrWDZ5d09Fa1I1bk5wYVJoT0tOdW5uclk2ZU5FdHRiNW9BQnlHRThva0ZIRW5VT19ZNzZIdmlxdkVEN3c2U3oxb3ZSUEZ3SGstcGFtYmV1ZURLQ016VlpRdw?oc=5) · The Business Journals
- 2026-03-16 [New OnPoint branch opening in downtown Lake Oswego - Lake Oswego Review](https://news.google.com/rss/articles/CBMilgFBVV95cUxPTWxib3JlQ1NER0xjUkE1c254bVF3X1JQNnFsMXFTS3lpUXltRWJISXJNN2hldXBwNlFhcnd5RzIxVDktWjFlT1ZkeFQzdWZUbENFa0NCVGdDYWZ4M3JnVWJTWG8tS2E4dUI5YkRRQ0duUl84VTloUmpCb1NNT09lUXEtRzhtYWxKbEN4VFBNTWpIdDNlV2c?oc=5) · Lake Oswego Review

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62745 (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/25.json (key "62745", 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=62745
- 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