Credit union · NCUA insured
44 North Credit Union
A $156.9M credit union headquartered in Lebanon, OR, with 9,761 members and 3 branches in Oregon. Best rates: CDs 3.80% and savings 0.40% APY.
44 North Credit Union Carrot Score
79
Carrot Score
Higher than 49% of U.S. banks and credit unions
#5 of 14 in Albany, OR metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About 44 North Credit Union
- Headquarters
- 485 S 2nd St, Lebanon, OR 97355-3326
- NCUA charter
- 68739
Branches
3 branches in Oregon
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Oregon
3 branches
- Main Office - 485 S 2nd StMain office485 S 2nd St, Lebanon, OR 97355Directions
- Albany - 4129 Santiam Hwy SE4129 Santiam Hwy SE, Albany, OR 97322Directions
- Sweet Home - 1428 Main Street1428 Main St, Sweet Home, OR 97386Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.82% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.76% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.46% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $80 | $76 | — |
- CapitalNet worth ratio12.82%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.76%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.46%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$80Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of 44 North Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.