# OREGONIANS
Milwaukie, OR · NCUA charter 68669 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/oregonians-68669

Who the members are: state charter, organized 1937. 18,157 members of 3,285,271 potential (0.6% of the field); checking penetration 71% (share draft accounts per 100 members); loans per 100 members 60.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $341.7M |
| Members | 18,157 (-2.2% YoY) |
| Full-time staff | 64 |
| Net worth | $55.0M |
| Net worth ratio | 16.1% (p92 of band) |
| ROA (annualized) | 0.61% (p43 of band) |
| Total delinquency | 2.34% (p98 of band) |
| Net charge-offs (annualized) | 0.53% (p66 of band) |
| Loans / shares | 73% (p48 of band) |
| Cash / assets | 20.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.17% (p85 of band) |
| Operating expense / assets | 3.82% (p55 of band) |
| Vehicles % of loans | 31% (p46 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 72% |
| Third-party paper % of net worth | 148% (p71 of band) |
| Vehicle delinquency | 1.19% (p81 of band) |
| Vehicle NCO | 1.87% (p88 of band) |
| Repossessed % of vehicle book | 0.09% (p70 of band) |
| Real estate % of loans | 58% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 23% |
| Core shares % of member funds | 67% |
| Certificates % of member funds | 10% |
| Average share balance | $7,746 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $33.0M |
| Loans outstanding per 100 members | 60% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $18,940 |
| Loans granted, annualized | $39.7M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $33.0M outstanding purchased (59.9% of net worth), $0 sold and retained. Sold in 0 and bought in 2 of the last 8 quarters. Shares -1.0% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **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 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | delinquency rising |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | 3rd-party paper>100% NW |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | delinquency rising |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 4 | net worth falling, margin squeeze, delinquency rising |  |
| 2020-09 | 4 |  |  |
| 2020-12 | 3 | delinquency 2x band | 3rd-party paper>100% NW, delinquency rising |
| 2021-03 | 3 |  |  |
| 2021-06 | 2 |  | delinquency 2x band |
| 2021-09 | 1 |  | margin squeeze |
| 2021-12 | 2 | auto monoline |  |
| 2022-03 | 4 | members leaving, 3rd-party paper>100% NW |  |
| 2022-06 | 3 |  | members leaving |
| 2022-09 | 3 | members leaving | net worth falling |
| 2022-12 | 2 |  | auto monoline |
| 2023-03 | 1 |  | members leaving |
| 2023-06 | 3 | delinquency rising, assets shrinking |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 2 |  | delinquency rising |
| 2024-09 | 3 | members leaving |  |
| 2024-12 | 2 |  | assets shrinking |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 3 | delinquency rising |  |
| 2025-12 | 3 | delinquency 2x band | members leaving |
| 2026-03 | 3 |  |  |

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

- 2025-12-01 [Oregonians Credit Union announces new President/Chief Executive Officer - CUInsight](https://news.google.com/rss/articles/CBMisgFBVV95cUxQY3lWaUNWb1hfbU9qeEc3ZmxhSFJfRWVuQ0JyLXBWZGFqWHFhd0hXWWlfMERZR0dzWmMzcGNidGJZY0QySE1NUkhCcXN1RHRhQ2FlSHpFajlweXhsVlZWVkhDc0c1ZkFUVDZsMVFCN1BRVWxHX3VRTkNheW81M05xNVRrRzYwNkhqU24tZXdndy1YdHpLcnVJY0U0YjBYbi1QcjRSaFlKRWF1RnR6cjNFbV9R?oc=5) · CUInsight
- 2025-12-23 [Credit Unions in 8 States Name New CEOs for the New Year - CUTimes](https://news.google.com/rss/articles/CBMilwFBVV95cUxObWVMb2FmbWNFcFBoOXBVR3RubXJ0RjE5cVZJbjJ6SUhxaDFBd1VPMENvTkVSaGItaFFTZ0M3aG9BYTVlWXRBWGpIRFE5elNRYUdGTVV3ZEZTT2wxdnRMX2t4aHVaRzRRc2FPZ2pWM0tIbkFXcElEOUI5bGhUWVdVdktObzQ1Zk5vYktoQnNyZTZVQ3ZWSUow?oc=5) · CUTimes
- 2025-10-09 [Powerlist: Credit Unions - oregonbusiness.com](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBHNGdGRndIcGtFMTVKM280WTh6cWYwRE9QZVpkcktRT2kwSDh4WWd6ZEktVGZ2V3l6U3dDNGxJUzBsazUySmtOS3pkaEU1aGFWTlhvMmZhQVFBVWhZaUVMNA?oc=5) · oregonbusiness.com
- 2025-12-10 [Ride into 2026 on TriMet, as free rides return on New Year’s Eve - TriMet News](https://news.google.com/rss/articles/CBMimwFBVV95cUxOenNXUjlnU0RyQkFCcVBfVU9JZ1JfdGptZGR6Y2R2RWI4dmNtWktPanpvbDZBbS05dVA1ZjYzcS1ZclUwLWZreVdWaTBDTWVSLTZzMkp2bTJUc0QwVG9jdkhwZHpPYmF4TnEwSWRPNkJ4akNfYlBid2x5RVpWNmZiZllpSEhKS3U3bnV3SWVIUnJUU01tQktCNjZGZw?oc=5) · TriMet News
- 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
- 2025-12-26 [Help in trying times: See how the 2025 Season of Sharing campaign is assisting Oregonians in need - oregonlive.com](https://news.google.com/rss/articles/CBMi2wFBVV95cUxNV1lTbG9Ia3NjamFlYVRJY2FKSTllbF9JT0pqS0JYQklDWFpoYlJFSGMxN3dSdjFNTjFGQUFBcHBlZk4zWDdMNlczV3JxSnU1S1kxS25xUUxSTDZxR25GeEFmYVh6RWM2bnNHVU02TURpYS1DbWJhUGxyazB4NThxMVdydHFha25jT3k5OUtaVHpSbjVKODhlMzIxR2ZRZnl5bERubDAyRVYxTTVhZGRtQTZSRy1iRVVUd0FmTHFXWS1hclVPWm1tZW9vc3JNTnQ0MHZrZEFkd0JRNWM?oc=5) · oregonlive.com
- 2026-01-26 [Volunteers needed to help Oregonians file income tax returns - Oregon Public Broadcasting - OPB](https://news.google.com/rss/articles/CBMiggFBVV95cUxNZmNaa3VrY3VkQ0JnV3JMNEgydkN2MmIwNWFNRGxWZjZHampwV0dhaHZaUUs1aUJ5S19mVkdxZ0ZlSGNER2k3V2liTW5YTzV3Z0E2TTZ0b2s1SVMzOWs0SW9rYXlhV3Jqem15Yk96QmdKOXlnaDRkbzdRNWZMODRDYlFn?oc=5) · Oregon Public Broadcasting - OPB
- 2020-12-11 [Supporting Oregonians in a difficult year - Statesman Journal](https://news.google.com/rss/articles/CBMi1gFBVV95cUxOZDJTYXhkMzkwZWs1TE1YOUktWU1JaW04TXdLS2pBSDRUekRmTUtQNnJJM1VXWk1wM0hKOXAtWE5wbUtZNEFaZ0w2cTJGZEh4SjJZalRvWWRNUDRmZU9zT2lEMW55dGNrR2xQSUtMTUYwVHRsUUp2ajZ5ZU1ST09xRkoxclByYTZVWU44TUJlaWpBbDFfbkpPUEZyYjlOeVFMQ2NLUFpudnhUQll5czBLOXFwYWJlaXlnTEx5YUd1bEROZG9uZnBPRUlySWlFdW4xSDFNT1dB?oc=5) · Statesman Journal

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68669 (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/61.json (key "68669", 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=68669
- 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