# OREGON COMMUNITY
Eugene, OR · NCUA charter 65856 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/oregon-community-65856

Who the members are: state charter, organized 1981, low-income designated. 291,796 members of 11,793,109 potential (2.5% of the field); checking penetration 41% (share draft accounts per 100 members); loans per 100 members 63.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $3.57B |
| Members | 291,796 (7.8% YoY) |
| Full-time staff | 643 |
| Net worth | $379.0M |
| Net worth ratio | 10.6% (p48 of band) |
| ROA (annualized) | 1.16% (p81 of band) |
| Total delinquency | 1.33% (p91 of band) |
| Net charge-offs (annualized) | 1.71% (p98 of band) |
| Loans / shares | 110% (p99 of band) |
| Cash / assets | 4.4% |
| Borrowings / assets | 4.02% |
| Net interest margin | 5.42% (p100 of band) |
| Operating expense / assets | 3.64% (p73 of band) |
| Vehicles % of loans | 51% (p90 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 96% |
| Third-party paper % of net worth | 451% (p96 of band) |
| Vehicle delinquency | 1.75% (p94 of band) |
| Vehicle NCO | 4.40% (p98 of band) |
| Repossessed % of vehicle book | 0.77% (p99 of band) |
| Real estate % of loans | 28% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 57% |
| Core shares % of member funds | 49% |
| Certificates % of member funds | 24% |
| Average share balance | $4,892 |
| Participations bought / yr | $0 |
| Participations sold / yr | $284.1M |
| Participations outstanding | $9.1M |
| Loans outstanding per 100 members | 63% |
| Loans granted per 100 members, annualized | 20% |
| Average loan balance | $17,195 |
| Loans granted, annualized | $1.85B |

## Participation posture (from the same filings)

Bought $0 and sold $284.1M in the latest annualized quarter; $9.1M outstanding purchased (2.4% of net worth), $121.1M sold and retained. Sold in 8 and bought in 0 of the last 8 quarters. Shares -1.5% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **repo signal** (`aq_repo`)
- **loans>95% of shares** (`str_ltos`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, loans>95% of shares, 3rd-party paper>100% NW |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 2 |  | loans>95% of shares |
| 2016-12 | 3 | net worth falling |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 | loans>95% of shares | net worth falling |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 2 |  | thin capital |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | net worth falling |  |
| 2020-03 | 4 | thin capital |  |
| 2020-06 | 5 | margin squeeze |  |
| 2020-09 | 4 |  | net worth falling |
| 2020-12 | 3 |  | margin squeeze |
| 2021-03 | 4 | net worth falling, margin squeeze | loans>95% of shares |
| 2021-06 | 3 | loans>95% of shares | net worth falling, margin squeeze |
| 2021-09 | 2 | margin squeeze | thin capital, loans>95% of shares |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 | loans>95% of shares | margin squeeze |
| 2022-06 | 3 | delinquency rising |  |
| 2022-09 | 6 | net worth falling, delinquency 2x band, leaning on borrowings |  |
| 2022-12 | 5 |  | net worth falling |
| 2023-03 | 6 | charge-offs p90 |  |
| 2023-06 | 7 | repo signal |  |
| 2023-09 | 7 |  |  |
| 2023-12 | 6 | assets shrinking | delinquency rising, leaning on borrowings |
| 2024-03 | 5 |  | assets shrinking |
| 2024-06 | 6 | assets shrinking |  |
| 2024-09 | 6 |  |  |
| 2024-12 | 6 | delinquency rising | assets shrinking |
| 2025-03 | 5 |  | delinquency rising |
| 2025-06 | 6 | net worth falling |  |
| 2025-09 | 5 |  | net worth falling |
| 2025-12 | 5 |  |  |
| 2026-03 | 5 |  |  |

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

- 2026-08-13 [Oregon Community Credit Union will issue $307.3 million on auto loans - Asset Securitization Report](https://news.google.com/rss/articles/CBMirgFBVV95cUxPdzRXLXc5U0ptemh2U0xlUDBMX2VpRkdSVDBTRnhzUTRYak5SLXNsandUWDRTR25wOTdCSnFGcjBadXlpQVZ4cmdCQWRlZzN0Qk1zV3p6b3BYdmk5VWNrLVlCcnBRRXhSOGZFSFhZbi1xNEt5MVVVMWNZYkhNWmE4MlZGYTV5Q1hSbXlQSEpVRkxfeElyRl9FbXA1b19Nc3RRMi14OTAzLUlEa1lJd2c?oc=5) · Asset Securitization Report
- 2026-09-02 [Oregon Community CU Sells $307 Million in Auto Securities - CUTimes](https://news.google.com/rss/articles/CBMilwFBVV95cUxOSXYwTklIR3NiNmF6OTluM1hxWEZpcWJJS1NfX0k2QmpzYnVSanRVcmFDRDhic2dNTHd4SVNsaTU3MHh1TVBaUTg5YlU4WTNNeEt0ZG9BNjZGZTdzaWhRUDNkdlJWZm5Ud3d1M2tvbzFSckhhWmVFdUdMUlVoSkFFb09tZzIyQVlyVnpGOVRPRVhwTnkzOXg0?oc=5) · CUTimes
- 2026-02-18 [OCCU Opens a Full-Service Branch to Support the Central Oregon Community - The Source - Bend, Oregon](https://news.google.com/rss/articles/CBMivwFBVV95cUxOdnlkSUdLaWJLcDVHbUFTazk1cnFOQURwZ1VzTVBlZUlSai1BeTN0SUpiemlxWThWNEtLaC1VNjdvUmtTRFpKQkZrZEQxem5NdUxKc1hMeUFOTDBTWEhRQnNIcHppQ2h4ajg2cWRMeS1JRWk0UjBaQ09MWmZtYjlUaF9pWWhmMnUxWThnenJES3p0cW4xdWJIekU2dlhqeFRYV0gycDFBaXNKLU9nNTYtR2diTDVPaG13U3hEUzVVbw?oc=5) · The Source - Bend, Oregon
- 2025-12-02 [Oregon Community Credit Union cancels Flock contract - KVAL](https://news.google.com/rss/articles/CBMijgFBVV95cUxQTXFfLXZGRTc2STRZZDBEbmh3ZG9fc2xEbU9PN2VoQUVWbXJEdFRQR3NQM1J3aFFRSmltOWR0ekNDalY1UDRrcTFZREVDT2lobG5nN1BTd2tMWnFQMEMxYTA0Y3lwME5wWW5ZNXhNYy1hVUNkN01ndnZueENLODktV2wtVVhSUGx3eUttSGF3?oc=5) · KVAL
- 2026-08-17 [Eugene's OCCU eyes Costco sale as remote work reshapes HQ - kezi.com](https://news.google.com/rss/articles/CBMi1AFBVV95cUxPWVYwVUdIQXlNY3l0N21Oem5pa2RhZ2w3QUZKNXJUS0VVeHFLa0hjWE16YVJYYjBncXFMelhkeHUyQWQ5cTduLW1pS1pMa2QwbDJIQTVuYTFUQkZ5TGFZenk1bVdXNFBDQmJxS1N1dGlkNkJZUUJWVE1vNTFCWm5MbjRuVkxEYlpQZW1SWW5TWUVpTFktU0Q5Ti0xekJqWXZHZXRKUGlPdjRuVDJDY2ZTU3I1V0F5MmJZMjFQTFR0RHlTZWk3OGlaS1pRQ0JRY2otN1Bwdg?oc=5) · kezi.com
- 2025-12-03 [OCCU to remove license plate cameras amidst community concern - NPR for Oregonians](https://news.google.com/rss/articles/CBMisAFBVV95cUxNTGdUOVd3RFhCNy1TNzhIRmNDYTh1cWh2ZHpvZmZad0lSdjdkVFlPcm4tUkwzdDdJdnlKckpFZl9fVFQyVkZNZXZPaXV2N0ZPdlhaajJjMTNhSVJwNWIyZVBUZ1pkQVIzdkFYMFdZaWEtSG13OFlIaGR5Nk5OOGMwZ1R2am5adHhnZ3AtSnJLZzVhbmJzbkhjQW1iTjdVdUxYSExaLWVpaHIxc3BBbVFWUA?oc=5) · NPR for Oregonians
- 2026-07-24 [GESA Credit Union to Acquire an Oregon Community Bank in 2027 - NEWStalk 870](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBocWtsVnJhWDJGUjJNWmpCZTRKSFdiNlA5TkUyQ3pFSzE3Y1p0WFJYRFdaX1h4eWtMWTdpd3pXa0daMGxwZGFjYjhqU2o1ZmJvUnBwZUNMMjM4NTNMekVmSw?oc=5) · NEWStalk 870
- 2025-10-09 [Powerlist: Credit Unions - oregonbusiness.com](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBHNGdGRndIcGtFMTVKM280WTh6cWYwRE9QZVpkcktRT2kwSDh4WWd6ZEktVGZ2V3l6U3dDNGxJUzBsazUySmtOS3pkaEU1aGFWTlhvMmZhQVFBVWhZaUVMNA?oc=5) · oregonbusiness.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=65856 (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/0.json (key "65856", 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=65856
- 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