A
44 North Credit Union
LebanonOR
Rating Date
July 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings 44 North Credit Union
Lebanon, OR
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Rating A
Asset Quality Index 6.60
Capitalization Index 10.00
Liquidity Index 4.60
Profitability Index 5.80
Stability Index 6.40
Company Info 44 North Credit Union
Lebanon, OR
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NCUA Charter Number 2171
Phone Number (541) 259-1235
Website 44northcu.org
Asset Quality 44 North Credit Union
Lebanon, OR
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1-Year Asset Growth 4.42%
5-Year Asset Growth 5.93%
5-Year Charge-Offs to Average Loans 1.26%
Charge-Offs to Average Loans 0.45%
Non-Performing Assets to Assets 1.36%
Non-Performing Loans to Capital 11.42%
Non-Performing Loans to Loans 2.20%
Balance Sheet 44 North Credit Union
Lebanon, OR
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Total Assets 168.76M
Total Deposits 148.20M
Capital and Reserves 44 North Credit Union
Lebanon, OR
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Capital 19.50M
Leverage Ratio 11.64
Loan Loss Reserves to Loans 2.39%
Liquidity 44 North Credit Union
Lebanon, OR
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Hot Money Ratio 20.04%
Liquidity Ratio 32.77%
Profitability 44 North Credit Union
Lebanon, OR
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5-Year Return on Average Assets 0.92%
Net Income 437.00K
Net Interest Spread 6.55%
Operating Profit to Average Assets 1.42%
Overhead Efficiency Ratio 79.55%
Return on Assets 0.52%
Return on Equity 4.53%