Charter 2730 · Saint Helens, OR
Inroads Federal Credit Union
Inroads Federal Credit Union is a federally chartered credit union in Saint Helens, Oregon, with $340 million in assets and 15,770 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 8.12%, above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $340 million
- +2.0% in a year
- Members
- 15,770
- -3.1% in a year
- Net worth ratio
- 8.12%
- Peer median 11.65%
- Loans 60+ days late
- 1.15%
- Peer median 0.70%
- Loans outstanding
- $254 million
- -1.9% in a year
- Shares and deposits
- $313 million
- +4.9% in a year
- Branches
- 4
- 77 employees
- Opened
- 1938
- Federal charter
How Inroads Federal Credit Union compares
NCUA groups credit unions by size; Inroads Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 8.12% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 1.15%, is higher than the group median of 0.70%. Loans fell 1.9% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 17 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 | $340 million | 15,770 | $254 million | 8.12% | 1.15% |
| Q1 2026 | $335 million | 15,962 | $251 million | 8.32% | 1.10% |
| Q4 2025 | $330 million | 16,172 | $255 million | 8.60% | 1.17% |
| Q3 2025 | $331 million | 16,217 | $255 million | 8.54% | 1.19% |
| Q2 2025 | $333 million | 16,269 | $259 million | 8.56% | 1.98% |
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 1.6 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 5 sites for Inroads 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.
- InRoads Administration Center (main office)
1720 Saint Helens St, Saint Helens, OR 97051 - Scappoose Branch
52691 Columbia River Hwy, Scappoose, OR 97056 - Rainier Branch
118 E A St, Rainier, OR 97048 - St. Helens Branch
425 S Columbia River Hwy, Saint Helens, OR 97051 - Orenco Station Branch
6175 Ne Cornell Rd, Hillsboro, OR 97124
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