OnPoint Community Credit Union
OnPoint Community Credit Union is headquartered in Portland and is the largest credit union in the state of Oregon. It is also the 23rd largest credit union in the nation. It was established in 1932 and as of March of 2025, it had grown to 1,195 employees and 608,583 members at 59 locations. OnPoint Community Credit Union has an A+ health rating.
Field of Membership Restrictions
Membership in OnPoint Community Credit Union is open to those who live or work in the Oregon counties of Benton, Clackamas, Clatsop, Columbia, Coos, Crook, Curry, Deschutes, Douglas, Gilliam, Hood River, Jackson, Jefferson, Josephine, Klamath, Lane, Lincoln, Linn, Marion, Morrow, Multnomah, Polk, Sherman, Tillamook, Wasco, Washington, Wheeler, or Yamhill, or the Washington counties of Clark or Skamania. Membership is also open to immediate family of those eligible for membership.
See current membership details
Ancient Outdated Online Banking, Bad Customer Support
Onpoint credit union offers competitive interest rates which is why I went with them to open a new account recently. Unfortunately their online banking is so old and buggy, it is light years behind accounts I have at other local credit unions. Their online support is extremely unhelpful, borderline offensive. Basic support questions go unanswered or you're told to call a phone number and wait on hold. They also don't seem to care about feedback and never reach out, again when you compare to other local credit unions this is night and day difference. I can't recommend OPCU. Thankfully there are better credit unions in Portland.
Terrible Credit Union
Absolutely terrible credit union. They will freeze your account and money indefinitely at their whims
Disappointed
They claim to be a community credit union that wants to help their members/community but they’re just like any other big box bank and only looking out for themselves. The only difference is their marketing. Don’t expect to be seen as a person or helped to improve your financial health unless your credit score and socioeconomic status is high enough for them to consider you a valued customer/member and worthy of their services.
Onpoint Community Union Sucks
I got my credit card account closed with no warning, later on, I got a letter with some ridiculous explanation about them reviewing my account and finding a big change in my financial life:)
I made more money last year then any year since I was born!
Made payments on time for over 5 years and got humiliated with their crappy later.
STAY AWAY!
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 62745 |
| Year Chartered | 1932 |
| Employees | 1195 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.37% |
| Return on Equity - YTD | 10.57% |
| Annual Interest Income | $117.4MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $9.88B$9.21B |
| Loans | Q1 2025vs Q1 2024 | $5.85B$5.37B |
| Deposits | Q1 2025vs Q1 2024 | $8.42B$7.85B |
| Equity Capital | Q1 2025vs Q1 2024 | $1.27B$1.11B |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $46.5MM$39.3MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $27.6MM$21MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |
