Credit union
Rogue Credit Union
Medford, Oregon, Jackson County, OR
$4.3B in total assets and 245,187 members, the 114th largest of 4,298 US credit unions and 2nd of 47 headquartered in Oregon.
- NCUA charter
- 68660
- Charter
- State chartered (OR)
- Chartered
- 1956
- NCUA insured since
- 1971
- Low-income designation
- Yes
- Website
- http://www.roguecu.org
Earlier filings under Rogue Federal Credit Union (charter 11393), before a charter conversion, are included in the history below.
At a glance
Compared with 8 federally insured credit unions in Oregon with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This credit union | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $4.3B | 88% | $2.9B | |
| Loans | $2.6B | 75% | $2.0B | |
| Deposits (shares) | $3.7B | 88% | $2.5B | |
| Members | 245,187 | 75% | 156,334 | |
| Return on assets | 0.97% | 50% | 1.01% | |
| Net interest income to assets | 3.92% | 62% | 3.74% | |
| Efficiency ratio | 69.2% | 50% | 71.2% | |
| Net worth ratio | 10.37% | 25% | 11.28% | |
| Loans to shares | 71% | 2% | 82% | |
| Cost of deposits | 1.55% | 38% | 1.63% |
Ratios are annualized from year-to-date figures. Return on assets uses average assets, as NCUA does. Cost of deposits includes dividends on shares.
Growth
Total assets grew 13.9% a year over 10 years and 9.0% a year over the last 5, including 2 mergers in the last 10 years. Membership grew 7.5% a year over 5 years, to 245,187.
Dashed lines mark larger mergers, listed below.
Mergers and acquisitions
| Closed | Absorbed | Assets at last filing |
|---|---|---|
| Nov 2025 | Members 1st Credit Union Credit union, Redding, CA | $359M |
| Jan 2021 | Malheur Federal Credit Union Credit union, Ontario, OR | $180M |
Where they operate
34 branches in 11 counties.
3 of 34 branch locations are approximate (ZIP code centers).
Largest counties by branches
| County | Branches | Share of all branches | Rank |
|---|---|---|---|
| Jackson County, OR | 11 | 17.2% | 1 of 15 |
| Shasta County, CA | 3 | 7.0% | 4 of 15 |
| Curry County, OR | 3 | 37.5% | 1 of 5 |
| Douglas County, OR | 3 | 9.4% | 4 of 13 |
| Josephine County, OR | 3 | 13.6% | 1 of 13 |
| Malheur County, OR | 3 | 27.3% | 1 of 8 |
| Butte County, CA | 2 | 4.0% | 10 of 18 |
| Payette County, ID | 2 | 18.2% | 1 of 9 |
Credit unions do not report deposits by branch, so these are branch counts: this credit union's branches against every bank and credit union branch in the county. Rank is among all banks and credit unions with a branch there.
Branches by year
| Year end | Branches | Change |
|---|---|---|
| 2016 | 16 | |
| 2017 | 19 | +3 |
| 2018 | 19 | 0 |
| 2019 | 20 | +1 |
| 2020 | 26 | +6 |
| 2021 | 26 | 0 |
| 2022 | 26 | 0 |
| 2023 | 26 | 0 |
| 2024 | 27 | +1 |
| 2025 | 34 | +7 |
| Jun 2026 | 34 | 0 |
Member-serving offices as listed in NCUA call reports. Changes include branches gained in mergers.
Earnings and credit
Return on assets
Year to date, annualized, with the peer median.
Credit and capital
| This credit union | Peer median | |
|---|---|---|
| Delinquent loans, 60+ days | 0.95% | 0.78% |
| Net worth ratio | 10.37% | 11.28% |
| Loans to shares | 71% | 82% |
Delinquent loans are two or more months past due. Net worth is NCUA's capital measure for credit unions.
Related
Credit unions of similar size in Oregon
Most branches in Jackson County, OR
Figures as of June 30, 2026 from the credit union's NCUA call report (Form 5300), NCUA's credit union locator and FFIEC merger records.