ONPOINT COMMUNITY
Charter #62745 · Portland, OR · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 648,972 ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 14.47% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.36% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.70% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.97% sits at the 82nd percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | ONPOINT COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $9.65B | 94th pct | 84th pct |
| Members | 648,972 | 96th pct | 90th pct |
| Net worth ratio | 14.47% | 91th pct | 90th pct |
| Return on average assets | 1.36% | 87th pct | 85th pct |
| Net interest margin | 3.70% | 73th pct | 77th pct |
| Cost of funds | 1.16% | 25th pct | 33th pct |
| Loan-to-share | 76.67% | 25th pct | 28th pct |
| Delinquency 60+ days | 0.97% | 77th pct | 82th pct |
| Net charge-off ratio | 0.42% | 36th pct | 31th pct |
| Loan growth YoY | 1.95% | 53th pct | 59th pct |
| Share growth YoY | -0.65% | 3th pct | 0th pct |
| Efficiency ratio | 66.63% | 26th pct | 28th pct |
structural peer set hash: e6b34ac55e9eae304c14ae1fa615e88a… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.