OnPoint Community Credit Union is headquartered in Portland and is the largest credit union in the state of Oregon. It is also the 26th largest credit union in the nation. It was established in 1932 and as of June of 2021, it had grown to 955 employees and 443,451 members at 54 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 Benton, Crook, Clackamas, Columbia, Deschutes, Lane, Jefferson, Linn, Multnomah, Marion, Washington, Polk or Yamhill counties in Oregon and Skamania or Clark counties in Washington. Membership is also open to immediate family of those eligible for membership.
See current membership details
Great service, but slowly becoming a bank
I've been a member here for over 20 years. On the customer service end, I have had no issues. Everyone has always been very helpful and friendly.
However, the credit union has grown quite a bit since I first became a member, and are starting to act a bit more like a bank. They have started tacking on more fees, and not sending out notifications about this. Also, compared to other local credit unions, they are about .10-.15 cents higher.
They are also one of the few credit unions left that does not offer a high interest checking account, such as the Fusion Checking account at Advantis Credit Union.
Overall, my experience has been mostly positive. But I won't be referring new members to them any time soon.
On point has been great
On point has been great for us. We have found that the customer service to be great, interest rates are the lowest that we could find, and I've not had any problems with my checking and savings account- they have always been very helpful when it comes to opening up new accounts.
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!
Greater than any bank
I have always used banks such as US Bank or Bank of America, but this credit union blows my mind away. The customer service has always been great, I have never had a complaint about their website or with their banking system. They always have a happy teller help me with my money and always finish things quickly so I can get on with my day. I have never had a problem with overdraft either as they are pretty open to going over as long as you put money in within a few days.
Data as of Q2 2021
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 62745 |
| Year Chartered | 1932 |
| Employees | 955 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.13% |
| Return on Equity - YTD | 10.07% |
| Annual Interest Income | $87.5MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2021vs Q2 2020 | $8.51B$7.34B |
| Loans | Q2 2021vs Q2 2020 | $3.57B$3.81B |
| Deposits | Q2 2021vs Q2 2020 | $7.48B$5.85B |
| Equity Capital | Q2 2021vs Q2 2020 | $941.9MM$878.7MM |
| Loan Loss Allowance | Q2 2021vs Q2 2020 | $14.3MM$22.7MM |
| Unbacked Noncurrent Loans | Q2 2021vs Q2 2020 | $4.2MM$5.7MM |
| Real Estate Owned | Q2 2021vs Q2 2020 | $0$0 |
