Onpoint Community Credit Union (62745), a $9.6B credit union headquartered in Portland, OR, led by CEO Stuart, reported $6.0B in outstanding loans at the end of 2025 Q3, an increase of $363.3M (+6.4%) compared to the same quarter last year.
The credit union's 74.7% loan-to-share ratio represents a balanced approach to asset-liability management. With 214,724 loans outstanding to 631,292 members, the average loan balance stands at $28K.
Taken together: funding position remains adequate for current lending levels.
Portfolio Composition
Onpoint Community Credit Union's loan portfolio is dominated by Indirect Loans, comprising 22.4% of total loans. This diversified approach balances risk across multiple loan categories.
Loan Portfolio Breakdown
| Loan Type | Balance | % of Portfolio |
|---|---|---|
| Indirect Loans | $1.4B | 22.4% |
| New Vehicles | $1.3B | 21.8% |
| Business Loans | $605.6M | 10.0% |
| Used Vehicles | $437.4M | 7.2% |
| Credit Cards | $245.6M | 4.1% |
| Other Unsecured | $110.3M | 1.8% |
Source: NCUA 5300 Call Reports (2025_Q3)
Quarterly Loan Trends
Sustained loan growth of this magnitude typically reflects competitive pricing, expanded indirect lending channels, or successful member acquisition campaigns.
Quarterly Trend
| Period | Total Loans | QoQ Change | Loan/Share |
|---|---|---|---|
| 2024 Q2 | $5.5B | 68.6% | |
| 2024 Q3 | $5.7B | +3.0% | 68.8% |
| 2024 Q4 | $5.8B | +1.4% | 69.7% |
| 2025 Q1 | $5.9B | +1.5% | 69.5% |
| 2025 Q2 | $6.0B | +1.8% | 73.7% |
| 2025 Q3 | $6.0B | +1.6% | 74.7% |
Source: NCUA 5300 Call Reports
Credit Quality & Risk
Onpoint Community Credit Union reports $52.6M in loans delinquent 60+ days, representing a 0.87% delinquency rate. This moderate delinquency rate is consistent with industry norms.
Year-to-date net charge-offs of $13.9M represent a 0.23% annualized loss rate. This low charge-off rate indicates strong credit performance.
Historical Context: Since the 2008 Crisis
Onpoint Community Credit Union's loan portfolio has grown 167% since Q3 2008, when the financial crisis was at its peak. At that time, the credit union held $2.3B in loans with a 0.63% delinquency rate.
Today's delinquency rate of 0.87% exceeds crisis-era levels, signaling potential stress in the current lending environment.
Peer Comparison
Among 77 credit unions in its $4.8B–$14.4B asset peer group, Onpoint Community Credit Union ranks in the 59th percentile for loan growth.
Outlook
With strong loan growth momentum, Onpoint Community Credit Union appears well-positioned for continued portfolio expansion. Key factors to monitor include deposit growth to fund lending, credit quality trends, and competitive dynamics in the OR market.
Onpoint Community Credit Union's Q4 2025 results, expected in early 2026, will provide further insight into whether this growth trajectory can be sustained.
Track This Credit Union
Monitor Onpoint Community Credit Union's quarterly loan performance, credit quality metrics, and portfolio composition with Finleet Terminal.
Data Sources: NCUA 5300 Call Reports (2025_Q3), NCUA Historical Data (2007-present), Finleet Proprietary Analysis
Methodology: Year-over-year growth calculated comparing 2025_Q3 to same quarter prior year. Peer groups defined as credit unions within 50% asset range. Delinquency rate calculated as loans 60+ days past due divided by total loans. Crisis comparison uses Q3 2008 as baseline.