Credit union · NCUA insured
Trailhead Credit Union
A $155.5M credit union headquartered in Portland, OR, with 8,546 members and 3 branches in Oregon. Best rates: CDs 2.90% and savings 0.50% APY.
Trailhead Credit Union Carrot Score
80
Carrot Score
Higher than 53% of U.S. banks and credit unions
#13 of 56 in Portland, OR-WA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Trailhead Credit Union
Trailhead Credit Union is a member-owned cooperative serving Portland, Oregon neighborhoods.
- Headquarters
- 221 NW 2nd Ave Ste 100, Portland, OR 97209-3959
- NCUA charter
- 644
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- People who live, work, worship, or attend school in Multnomah County, Oregon are eligible for membership.
Family and household
- Immediate family members of current members (including spouses/domestic partners, parents/step-parents, children/step-children, siblings/step-siblings, grandparents/step-grandparents, and grandchildren/step-grandchildren) are eligible for membership.
Cost to join
- A $5 deposit in a savings account is required to become a member.
Branches
3 branches in Oregon
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Oregon
3 branches
- Trailhead CUMain office221 NW 2nd Ave Ste 100, Portland, OR 97209Directions
- Division Branch3354 SE Division St, Portland, OR 97202Directions
- Mississippi Branch3904 N Mississippi Ave, Portland, OR 97227Directions
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 | 8.80% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 4.14% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | -1.30% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $74 | $76 | — |
- CapitalNet worth ratio8.80%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late4.14%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets-1.30%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$74Peers’ 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 Trailhead Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.