# POINT WEST
Portland, OR · NCUA charter 63971 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/point-west-63971

Who the members are: state charter, organized 1934, low-income designated. 7,093 members of 3,360,097 potential (0.2% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 112.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $102.0M |
| Members | 7,093 (-15.8% YoY) |
| Full-time staff | 25 |
| Net worth | $12.4M |
| Net worth ratio | 12.2% (p56 of band) |
| ROA (annualized) | 0.76% (p54 of band) |
| Total delinquency | 0.69% (p55 of band) |
| Net charge-offs (annualized) | -0.17% (p1 of band) |
| Loans / shares | 83% (p77 of band) |
| Cash / assets | 21.0% |
| Borrowings / assets | 0.39% |
| Net interest margin | 4.27% (p82 of band) |
| Operating expense / assets | 5.31% (p91 of band) |
| Vehicles % of loans | 23% (p26 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 63% |
| Third-party paper % of net worth | 86% (p67 of band) |
| Vehicle delinquency | 0.48% (p45 of band) |
| Vehicle NCO | 0.63% (p56 of band) |
| Repossessed % of vehicle book | 0.25% (p88 of band) |
| Real estate % of loans | 65% |
| Credit cards % of loans | 8% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 69% |
| Certificates % of member funds | 12% |
| Average share balance | $5,492 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $21.4M |
| Loans outstanding per 100 members | 112% |
| Loans granted per 100 members, annualized | 119% |
| Average loan balance | $9,147 |
| Loans granted, annualized | $21.5M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $21.4M outstanding purchased (171.9% of net worth), $0 sold and retained. Sold in 0 and bought in 2 of the last 8 quarters. Shares -9.9% year over year.

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)

## 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 | 2 | repo signal |  |
| 2017-03 | 1 |  | repo signal |
| 2017-06 | 6 | thin capital, net worth falling, losing money, delinquency rising, auto monoline |  |
| 2017-09 | 4 |  | thin capital, net worth falling |
| 2017-12 | 5 | repo signal |  |
| 2018-03 | 6 | thin capital, net worth falling, charge-offs p90 | delinquency rising, repo signal |
| 2018-06 | 7 | repo signal |  |
| 2018-09 | 8 | delinquency rising, assets shrinking, loans>95% of shares | auto monoline, net worth falling |
| 2018-12 | 6 |  | delinquency rising, loans>95% of shares |
| 2019-03 | 4 |  | losing money, repo signal |
| 2019-06 | 3 |  | thin capital |
| 2019-09 | 4 | loan book shrinking |  |
| 2019-12 | 5 | members leaving |  |
| 2020-03 | 4 |  | charge-offs p90 |
| 2020-06 | 3 | margin squeeze | assets shrinking, members leaving |
| 2020-09 | 4 | net worth falling |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 5 | members leaving |  |
| 2021-06 | 2 | losing money | 3rd-party paper>100% NW, loan book shrinking, net worth falling, members leaving |
| 2021-09 | 1 |  | losing money |
| 2021-12 | 2 | members leaving |  |
| 2022-03 | 1 |  | margin squeeze |
| 2022-06 | 3 | delinquency rising, 3rd-party paper>100% NW |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 | assets shrinking | delinquency rising |
| 2023-03 | 1 |  | members leaving, assets shrinking |
| 2023-06 | 2 | net worth falling |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | net worth falling |
| 2024-03 | 3 | expense trap, delinquency rising |  |
| 2024-06 | 5 | repo signal, assets shrinking |  |
| 2024-09 | 4 | members leaving | delinquency rising, repo signal |
| 2024-12 | 3 | delinquency rising | assets shrinking, members leaving |
| 2025-03 | 5 | members leaving, loan book shrinking |  |
| 2025-06 | 4 |  | 3rd-party paper>100% NW |
| 2025-09 | 2 | assets shrinking | delinquency rising, members leaving, loan book shrinking |
| 2025-12 | 3 | members leaving |  |
| 2026-03 | 3 |  |  |

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

- 2026-06-30 [CUES And TruStage Announce Inaugural 2026 Leadership Pathways Cohort - cutoday.info](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPWUVJUG9uVDZJRnREZ0ZyNktDUjdfV0c0SExCZVV2cUJYSHU4WVdGZjBsYjZKd2d3VkEtUlVOLTBuNy12R0JtOFNMTHp1a3NNOHF1bi1SR0VKN0VwYnA4OHVPTzNIaG82VmZ6SnRqdk9Da0JoQ2VTVi1TTmRGYklMb0p2UDdmR1Q0am5iTVpJY2hqSUkwN0gtWFl1VlJ6ZUltNkNLS0FPWTk?oc=5) · cutoday.info
- 2025-10-09 [Powerlist: Credit Unions - oregonbusiness.com](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBHNGdGRndIcGtFMTVKM280WTh6cWYwRE9QZVpkcktRT2kwSDh4WWd6ZEktVGZ2V3l6U3dDNGxJUzBsazUySmtOS3pkaEU1aGFWTlhvMmZhQVFBVWhZaUVMNA?oc=5) · oregonbusiness.com
- 2021-11-10 [Urban League, Credit Unions Form Partnership to Advance Financial Well-Being of Black Oregonians - National Urban League](https://news.google.com/rss/articles/CBMirwFBVV95cUxQR1VCaU52Qm9ycVRnbFZfVVpsUUd0N1ZoVzY2Nk1BTnoxckhHbFVqX01adW9yZWlRXzBPNHdtRWRobmRGcVpOQTZmTl81WnlRYkY0Zm1wUldKZmFIQTdKaE9iMTBza0VNR3NVU2Y5VEl4a2g5M3dRdS1DdDloZ1ZlWDlTVnpZckQ3Qm9QdHI0WHQ0OWZtM2hVNUM5NFBOSjRlTEVOSHJad08wNlhRR2Fz?oc=5) · National Urban League
- 2024-12-13 [Breaking Down Barriers to Banking for Immigrant Communities - Next City](https://news.google.com/rss/articles/CBMimgFBVV95cUxQTS1mWUJ0YWpWQkJXTER5T3lIeTQ2Zkc2a2pGUzVjUFYzTllhekpmWl81dTRHS3NVamZkRWVSQWlDSHBzWjdEYzRiZ0xrYUU2aWd4dk51WlMzbnNTLV9TNWJ1VmJMWi1Cd1lTY1FLSzR6QTR3WkoyUnZDSU00YkJNRkg0TmoxWTZycFIzVTFHeDhEanMxWjlaN0VR?oc=5) · Next City
- 2026-09-06 [Spanish homebuyer classes, more earn Fibre Federal this recognition - Longview Daily News](https://news.google.com/rss/articles/CBMijgFBVV95cUxNWGR4SjduNi02SU1ZQUN5TEFZdFVMakkwTHBna3I4MjFURGhmTG9NVExscE13bzY2WDBnSG9xUG5vNkhrQVNzYjhRWjNkMHlLcmE2ME4yNjZHQnU0dXFNb1lmYmFDRDZySzVXcDdoRTBNN3RUOEZWcVpLRU5VbEhndUZGYm9OX21rVXRRLTRR?oc=5) · Longview Daily News
- 2021-03-23 [Oscar Porras name Senior Consultant, Diversity, Equity and Inclusion at Humanidei & O’Rourke - CUInsight](https://news.google.com/rss/articles/CBMixwFBVV95cUxQV0pOZVc3RjhHUDFtZlZxa3hDZlY3aTBoYmpKMmhHOHhwbVp0VjZCQmMweVhuMTFycEIwWVFMVnVwMTJ5bU5pcXJEaHFUdFQ5WnNPajZDdW5PSy0tWlJQcDk4VGNEeWtoUXlTWFlRd2ZEQUhZbmw2UjNRbHlqa2lfX29xTnBHZHNfVVktS2c3M0hGY2w1UWtvVjZ0TE9CR1JUaDR5Mlc0NV96c0xRREhQbG9DYW10Q0thS2JCNzhGTjBKUTF2dTNR?oc=5) · CUInsight
- 2024-08-08 [Albina Preservation Initiative - oregonlive.com](https://news.google.com/rss/articles/CBMickFVX3lxTE0xcHZkd1FIYlNiNGVaSUUyYllzbXVxeExOM19ieDNyMVlrQU9FZWswYXhiYzJXYW10NEdLQTN5RGZVajAxbWlSTXlmWmpkTWc4ZDR3ZWpiX2p5U21Ka2U3Rm1xbk9DdUVVWWxOendnTzZWQQ?oc=5) · oregonlive.com
- 2020-08-19 [Go By Bike adds test rides as part of OHSU e-bike push - BikePortland](https://news.google.com/rss/articles/CBMingFBVV95cUxObnQtZU8yTEcxVjZ3dWRIbzZBdzRxT3lqVXE4Skd6cTV3NVlQemsxMjl3Y0JUeEYwcTBwdlE4eFZiZHNtUXNvWkJEUUdMWlNjYnlLWDVNckdRYjRuMVpHRjItY21DYUE1d2YzV3NOaF9RZ1VFYnczaG1oS1BOSFo5UWM4ZlNnVzRBTEt5T3ROSmFMUDR6aDRZMVhKdzVZZ9IBowFBVV95cUxOdUdNTjVDcGszbWxIUGhVajBIbnY5aUt3NkRRallnd2tVVDJTYXZhREZXckZqR0dWUUtESi1renBFb3M1czZMSjIwNVd1NmZWNHdyNU5pYjlWbVpzLWtyWGd4MXNOS2M3NEVIcVN5Wm16TjBCQ214V3REUHI2RFpVaHBFUkJfNmJsZi1TUTlQRjRVWmhlUHVHVVg2M3VIbWw3ZGpF?oc=5) · BikePortland

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63971 (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/35.json (key "63971", 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=63971
- 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.

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