Onpoint Community Credit Union
501(c)(14)
Only null% goes to programs Strong reserves Growing revenue
Onpoint Community Credit Union is a 501(c)(14) organization based in Portland, Oregon, registered in 1944, with $556,221,103 in FY2024 revenue. CharityIndex grades it A.
Po Box 3750, Portland, OR, 97208 EIN 93-0257765 Since 1944
Revenue (FY2024)
$556.2M
▲ 26.3% vs prior year
Expenses (FY2024)
$431.5M
Net assets
$1.2B
Employees
1,393
CharityIndex rating
One independent A+ to F grade from four published criteria, each scored separately from IRS filings and combined by weight.
A
—Program efficiency40% of the ratingNo expense breakdown in filings
Measures how much of every dollar spent actually reaches programs, plus what it costs to raise $100 of donations. The worse of the two measures sets the letter (85%+ to programs is an A; under $15 to raise $100 is an A), averaged over the three most recent filings. Not scored for Onpoint Community Credit Union— this filing type doesn't report it, and the rating simply skips it (never counts it against the organization). See the exact thresholds →
AFinancial health25% of the rating34 mo reserves · +22% margin
Measures whether the organization is built to last: how many months its reserves would cover expenses (3+ months earns an A-range score, but hoarding 5+ years of budget is capped) and whether it runs a surplus or a deficit. For Onpoint Community Credit Union: 34 mo reserves · +22% margin earns a A on this criterion. See the exact thresholds →
A+Governance25% of the rating6 of 6 checks met
Checks how the organization is run, from its own Form 990: an independent board majority, a board of five or more, conflict-of-interest, whistleblower and document-retention policies, and independently audited financials. The share of disclosed checks that pass sets the letter. For Onpoint Community Credit Union: 6 of 6 checks met earns a A+ on this criterion. See the exact thresholds →
BTransparency10% of the rating3 of 5 disclosure signals
Counts five disclosure signals: a recent filing, a mission statement, program descriptions, a listed website, and the full expense breakdown. More disclosure, better letter. For Onpoint Community Credit Union: 3 of 5 disclosure signals earns a B on this criterion. See the exact thresholds →
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Mission
Promote the financial well-being of credit union members through financial products and services.
Contact & location
Financial trends
Revenue grew from $142.7M (FY2013) to $556.2M (FY2024) across 12 reported years.
Financial snapshot
Financial health & position (FY2024)
Liabilities $8.5BNet assets $1.2B
Operating margin
22.4%
Revenue exceeded expenses in the latest fiscal year.
Total assets
$9.7B
Total liabilities
$8.5B
Net assets
$1.2B
Salaries & benefits
$139.6M
32% of expenses
Board members
8
8 independent
Financials by year
| Fiscal year | Revenue | Expenses | Net assets | Total assets | Form |
|---|---|---|---|---|---|
| 2024 | $556,221,103▲26.3% | $431,478,281▲32.7% | $1,228,431,997▲12.9% | $9,711,312,299▲11.1% | 990 |
| 2023 | $440,500,839▲35.4% | $325,109,622▲47.2% | $1,088,196,615▲16.8% | $8,738,629,867▼2.1% | 990 |
| 2022 | $325,450,246▲8.2% | $220,810,338▲0.5% | $931,966,229▼1.3% | $8,925,586,538▼1.3% | 990 |
| 2021 | $300,691,175▼4.9% | $219,794,045▲0.2% | $944,584,382▲3.3% | $9,040,369,064▲14.4% | 990 |
| 2020 | $316,165,709▲14.0% | $219,345,726▲23.6% | $913,992,607▲19.6% | $7,902,214,326▲28.9% | 990 |
| 2019 | $277,445,977▲17.0% | $177,423,005▲12.9% | $764,172,466▲20.5% | $6,130,686,655▲13.7% | 990 |
| 2018 | $237,149,429▲17.5% | $157,111,559▲14.2% | $634,200,243▲15.9% | $5,392,942,516▲5.1% | 990 |
| 2017 | $201,827,244▲15.1% | $137,552,577▲10.9% | $547,301,061▲13.5% | $5,129,362,102▲12.5% | 990 |
| 2016 | $175,333,330▲10.1% | $124,010,889▲9.1% | $482,269,019▲11.0% | $4,561,054,380▲16.8% | 990 |
| 2015 | $159,313,488▲10.8% | $113,632,349▲3.8% | $434,460,630▲10.2% | $3,906,086,689▲9.7% | 990 |
| 2014 | $143,753,390▲0.7% | $109,457,154▲1.2% | $394,405,571▲14.9% | $3,559,804,327▲6.1% | 990 |
| 2013 | $142,693,288 | $108,186,855▼5.5% | $343,226,339▲3.0% | $3,356,256,419▲5.2% | 990 |
| 2012 | — | $114,481,775▼1.7% | $333,235,829▲9.8% | $3,189,801,202▲5.2% | 990 |
| 2011 | — | $116,455,574▼15.6% | $303,396,920▲9.8% | $3,031,046,359▲6.7% | 990 |
| 2010 | — | $138,038,655 | $276,429,929 | $2,841,312,936 | 990 |
Original Form 990 PDFs (the Form column) are served by ProPublica Nonprofit Explorer, as filed with the IRS. Create a free account to download the CSV report.
Leadership & compensation (FY2024)
Highest-paid: R Stuart — $2,279,673 (0.53% of total expenses)
| Name | Title | Hours/week | Compensation |
|---|---|---|---|
| R Stuart | President/ceo | 50 | $2,279,673 |
| J Hunt | Svp/chief Financial Officer | 45 | $1,089,114 |
| T Mcvay | Svp/chief Retail Officer | 45 | $1,025,851 |
| S Leugers | Svp/chief Lending Officer | 45 | $970,703 |
| J Armstrong | Svp/chief Operations Officer | 45 | $929,506 |
| T Clevenger | Svp/chief Marketing Officer | 45 | $681,239 |
| W Oliver | Svp/chief Legal Officer | 45 | $652,179 |
| C Anderson | Svp/chief Risk Officer | 45 | $648,068 |
| P Groman | Svp/chief People Officer | 45 | $622,535 |
| A Emerson | Vp/onpoint Mortgage | 45 | $502,128 |
| B Harding | Svp/chief Commercial Officer | 45 | $445,677 |
| M Linday-lipkins | Vp/onpoint Investment Services | 45 | $435,422 |
| M Casiano | Mortgage Loan Officer | 45 | $415,906 |
| D Bartosz | Financial Advisor | 45 | $413,831 |
| N Berning | Financial Advisor | 45 | $409,961 |
| D Laviolette | Svp/chief Information Officer | 45 | $344,578 |
| K Durham | Director | 6.5 | $91,616 |
| K Thomajan | Director | 6.5 | $71,606 |
| D Nakata | Board Chair | 13 | $71,514 |
| M Mroczek | Director | 6.5 | $69,114 |
Top vendors & contractors (FY2024)
| Contractor | Services | Paid |
|---|---|---|
| Fiserv Inc | Card & Atm Network Processing | $11,524,147 |
| Visa | Debit & Credit Card Processing | $8,531,740 |
| Payment Systems For Credit Union | Credit Card Processing | $7,853,503 |
| Q2 Software Inc | Online Banking | $6,557,813 |
| Borders Perrin & Norrander Inc | Marketing Services | $4,788,778 |
Grants made · $13.3M in FY2024
166 grants totaling $13.3M in FY2024 — showing the 15 largest. All grants made by Onpoint Community Credit Union →
| Recipient | Purpose | Amount |
|---|---|---|
| Onpoint Community Cu Foundation | Community outreach | $10,000,000 |
| Micro Enterprise Services of Oregon | Community outreach | $200,250 |
| Finability | Community outreach | $130,000 |
| American Online Giving Foundation Inc | Community outreach | $81,705 |
| Junior Achievement of Oregon and Sw Washington Inc | Community outreach | $75,400 |
| Age Us | Community outreach | $72,333 |
| Portland Workforce Alliance | Community outreach | $68,000 |
| Hacienda Community Development Corporation | Community outreach | $66,000 |
| Youth Villages Inc | Community outreach | $59,750 |
| Taste For Equity | Community outreach | $52,500 |
| American Heart Association Inc | Community outreach | $46,000 |
| Habitat For Humanity Portland Metro East | Community outreach | $46,000 |
| Cascade Aids Project | Community outreach | $45,300 |
| Neighborhood Partnerships Inc | Community outreach | $45,000 |
| The Immigrant and Refugee Community Organization | Community outreach | $36,700 |
Frequently asked questions
- Is Onpoint Community Credit Union a legitimate nonprofit?
- Yes. Onpoint Community Credit Union is a 501(c)(14) organization registered with the U.S. Internal Revenue Service under EIN 93-0257765, based in Portland, Oregon.
- What is Onpoint Community Credit Union's EIN?
- Onpoint Community Credit Union's Employer Identification Number (EIN) is 93-0257765.
- How much revenue does Onpoint Community Credit Union report?
- Onpoint Community Credit Union reported $556,221,103 in total revenue on its fiscal year 2024 IRS Form 990 filing.
- What financial grade does Onpoint Community Credit Union have?
- CharityIndex grades Onpoint Community Credit Union A, based on financial health (reserves and operating margin).
- How much does Onpoint Community Credit Union's highest-paid employee make?
- The highest reported compensation on Onpoint Community Credit Union's latest Form 990 is $2,279,673, paid to R Stuart (President/ceo).
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Data for Onpoint Community Credit Union (EIN 93-0257765) comes from the IRS Business Master File and e-filed Form 990 returns, via CharityIndex. Figures reflect what the organization reported to the IRS for each fiscal year.