Charter 11793 · Oregon City, OR
Embold Federal Credit Union
Embold Federal Credit Union is a federally chartered credit union in Oregon City, Oregon, with $596 million in assets and 36,483 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 10.10%, well above the 7% that NCUA's rules treat as well capitalized.
Also does business as Embold Credit Union.
- Total assets
- $596 million
- -0.7% in a year
- Members
- 36,483
- -0.6% in a year
- Net worth ratio
- 10.10%
- Peer median 10.79%
- Loans 60+ days late
- 0.95%
- Peer median 0.67%
- Loans outstanding
- $422 million
- -6.6% in a year
- Shares and deposits
- $529 million
- -1.2% in a year
- Branches
- 8
- 128 employees
- Opened
- 1957
- Federal charter
How Embold Federal Credit Union compares
NCUA groups credit unions by size; Embold Federal Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 10.10% is lower than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.95%, is higher than the group median of 0.67%. Loans fell 6.6% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 13 of 47 credit unions headquartered in Oregon. See all Oregon credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $596 million | 36,483 | $422 million | 10.10% | 0.95% |
| Q1 2026 | $596 million | 36,496 | $432 million | 9.96% | 1.16% |
| Q4 2025 | $592 million | 36,495 | $442 million | 9.99% | 0.99% |
| Q3 2025 | $598 million | 36,736 | $444 million | 9.83% | 0.57% |
| Q2 2025 | $600 million | 36,690 | $452 million | 9.64% | 0.62% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 2.4 million potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 9 sites for Embold Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Admin Branch (main office)
15099 Se Mcloughlin Blvd, Milwaukie, OR 97267 - Oregon City Branch
270 Warner Milne Rd, Oregon City, OR 97045 - Molalla Branch
1525 W Main St, Molalla, OR 97038 - Sandy Branch
37077 Highway 26, Sandy, OR 97055 - CANBY BRANCH
223 Ne 2Nd Ave, Canby, OR 97013 - Happy Valley Branch
12111 Se Sunnyside Rd, Happy Valley, OR 97015 - Oak Grove Branch
15045 Se Mcloughlin Blvd, Oak Grove, OR 97267 - McMinville Branch
2668 Ne Highway 99W, McMinnville, OR 97128 - Newberg Branch
901 N Brutscher St, Newberg, OR 97132
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology