# MID OREGON
Bend, OR · NCUA charter 68748 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/mid-oregon-68748

Who the members are: state charter, organized 1957, low-income designated. 52,362 members of 3,874,451 potential (1.4% of the field); checking penetration 72% (share draft accounts per 100 members); loans per 100 members 52.

**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 | $877.7M |
| Members | 52,362 (– YoY) |
| Full-time staff | 163 |
| Net worth | $100.1M |
| Net worth ratio | 11.4% (p65 of band) |
| ROA (annualized) | 1.81% (p96 of band) |
| Total delinquency | 0.10% (p2 of band) |
| Net charge-offs (annualized) | 0.55% (p63 of band) |
| Loans / shares | 97% (p93 of band) |
| Cash / assets | 8.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.33% (p94 of band) |
| Operating expense / assets | 3.38% (p39 of band) |
| Vehicles % of loans | 29% (p54 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 69% |
| Third-party paper % of net worth | 199% (p73 of band) |
| Vehicle delinquency | 0.13% (p5 of band) |
| Vehicle NCO | 0.76% (p45 of band) |
| Repossessed % of vehicle book | 0.07% (p57 of band) |
| Real estate % of loans | 40% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 119% |
| Core shares % of member funds | 45% |
| Certificates % of member funds | 25% |
| Average share balance | $7,320 |
| Participations bought / yr | $20.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $14.7M |
| Loans outstanding per 100 members | 52% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $27,238 |
| Loans granted, annualized | $301.5M |

## Participation posture (from the same filings)

Bought $20.0M and sold $0 in the latest annualized quarter; $14.7M outstanding purchased (14.7% of net worth), $5.4M sold and retained. Sold in 0 and bought in 1 of the last 8 quarters. Shares – year over year.

## Flags firing in the latest filing

- **loans>95% of shares** (`str_ltos`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2025-12 | 2 | loans>95% of shares, 3rd-party paper>100% NW |  |
| 2026-03 | 2 |  |  |

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

- 2026-07-22 [Mid Oregon receives Fifth Crystal Performance Award - CUInsight](https://news.google.com/rss/articles/CBMilwFBVV95cUxQZmRpR0huRGt4c1BsQVp5amVHdGVuaVVqSEV2MHhoYlBNbjRFbWFsT0EtWkN1Z0xiY0FmbldubE1BNUdBVGR4NGl4WDlmMks2T2VNdEMwbk1SdzBvUXY4UkExSXFRMDEtUTBhUGpEMW80UjZSdkttZ1QwS0lyWXI5ejBRc21oY1RMWmNpamtfRnF4ZG00NTkw?oc=5) · CUInsight
- 2026-04-07 [Mid Oregon Credit Union Fundraiser to Benefit SMART Reading - The Source - Bend, Oregon](https://news.google.com/rss/articles/CBMirgFBVV95cUxPSXd5U2RIWENvZDdFN1RyUkNhbllFbFBiaWFpVTJDc19udjNjQkdBdml0RWNqNDFYM0l2OU9MUWJCR0hnMFluZWVKY2l2R3REZ3VmaWJ1MXRhTEdtQzNNdjdqTGppQlRVM1RwYnpXRW8tZ214RS1tUHFXa1RYUHFWREZwckhqejEzck9oMTk0U3lkSFJrSmN0NVhNOFdEVnpmc2M0OU95ZzNuSGxsQ2c?oc=5) · The Source - Bend, Oregon
- 2026-07-30 [Arden Ray Dettwyler - bendbulletin.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE03VmJrbHU1WDNndkJEY0JQanJ6UUZobzVJRXc2UVlsbExZSWx2eXUtWUlzRFBkWEMzTmpXYXM4QjVUUG1ZWElqQTAwaHlUUFVkZVVkUE9yVm1pMkZFNVBYazRYdWNNN2M?oc=5) · bendbulletin.com
- 2026-06-05 [Mid Oregon Fundraiser Impacts Local In-School Reading Engagement Programs - The Source - Bend, Oregon](https://news.google.com/rss/articles/CBMiwAFBVV95cUxOVktCWTRhZWg5VDRGbDlqNTNvOUVMZXhaMU5LdjJESFpmcDZJM2ZmS2hJSHR6cGoxUmI0b3EwNVh3Zks4R2FOOG5LcTZvTmdwTWRJSGJrVS1EVEg0WEtMR19yTjRYNmp3WDZldnBHWTl5TEhXY2FXTHNYcmlPQm40ZUNKVmJLOEUzTFpPM3FnajZ4NGtmMGdoRmt1Z3M2YnlJRGw2TE9qV2dudWpuRGs4S0dFTXVMd2o2VUphZ01NUW8?oc=5) · The Source - Bend, Oregon
- 2025-10-09 [Powerlist: Credit Unions - oregonbusiness.com](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBHNGdGRndIcGtFMTVKM280WTh6cWYwRE9QZVpkcktRT2kwSDh4WWd6ZEktVGZ2V3l6U3dDNGxJUzBsazUySmtOS3pkaEU1aGFWTlhvMmZhQVFBVWhZaUVMNA?oc=5) · oregonbusiness.com
- 2025-10-16 [Mid Oregon Credit Union recognized as a top workplace - Madras Pioneer](https://news.google.com/rss/articles/CBMilgFBVV95cUxOR1pTUHBSbzVzeGVQck5YbzFqU05wcWZZNkJHSC1CaFNKcVhtak85TEdONkY2WXFZRjBGVTFNWEN5YTQwVW9iLXZBMF9EeU5xa25FTG5GU1dIR3VNWEN0NTNET2VGem01RTRsVFVMMWtYUjIxdmpJQUVQTHBoRDhjQ3MzRGhtMlpJVlJkVGlOZmRxUjl1c3c?oc=5) · Madras Pioneer
- 2020-11-25 [Mid Oregon Credit Union opens new Sisters branch - KTVZ](https://news.google.com/rss/articles/CBMilAFBVV95cUxNd0RZRFdINjZXdGVuNDdUX2VVSTZpejU4TmNUR1lrVlMwOU9PS2NzbXkwLXNNU245ak42Z09Sa2tUZ0FtcmhyQk5FdElKQW85VUwydks0czhQckV0ay1UUDBHeTFObmFiWFJnaUp4cTU1UExraC1fdFU0SFFoZ1dsbkhHdUptMHFwbVczcWpLRlBlSGg1?oc=5) · KTVZ
- 2023-01-11 [Mid Oregon Credit Union's president adds CEO role - American Banker](https://news.google.com/rss/articles/CBMingFBVV95cUxOR2NyMi1hR1pmdE9lWlprVFdiZjVreEtMQzByOGplVHkyVHJzSUdwX1RzZmhUUG45dmlVT0FRbkJHRkcwYndtcFowRUxOdnkzM2s5QXAxNGR2S09KTWJMNmtyeDNWUG5WOEgwV2wzeUt5RWxWWTRNbUFvWWRwdi1KV2o4RlNpVm1jek4xTjZSQjMxbG10NUprbVI1RVQyZw?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68748 (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/12.json (key "68748", 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=68748
- 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