INROADS Credit Union Profile

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INROADS

Charter #2730 | NCUA Region 3 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (503) 397-2376

Fax: (503) 397-0688

Founding Date: N/A

Website: http://www.inroadscu.org

Personnel & Operations

President: Chitwood, Lea

Manager: Cox, Nathan

FT Employees: 80

PT Employees: 4

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 66

Branches: 4

Hours: Not open to public. LIVE Tellers (Monday

Credit Union Profile Summary

INROADS is a FCU Credit Union. With a total of 16,269 members [1], this institution manages approximately $333,202,317 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 8.56% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -4.85% [1].

Financial Snapshot

Total Assets [1]
$333,202,317

Total economic resources.

Total Loans [1]
$259,165,407

Total value of outstanding loans.

Total Deposits [1]
$298,486,300

Total funds deposited by members.

Members [1]
16,269

Number of active members.

Performance Ratios

Net Worth Ratio [1]
8.56%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
-0.33%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
86.83%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -7.99%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -4.85%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -2.66%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

1720 Saint Helens St

Saint Helens, OR, 97051-1745
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 4 branches reported by INROADS (Charter #2730).

Main Office

InRoads Administration Center Main Office

Type: Corporate Office

1720 Saint Helens St

Saint Helens, OR 97051-1745

Phone: (503) 397-2376

Services: ATM

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Additional Branches

Rainier

Rainier Branch

Type: Branch Office

118 E A St

Rainier, OR 97048

Phone: (503) 397-2376

Services: Member Services, ATM, Drive-Thru

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Saint Helens

St. Helens Branch

Type: Branch Office

425 S Columbia River Hwy

Saint Helens, OR 97051-2834

Phone: (503) 397-2376

Services: Member Services, ATM, Drive-Thru

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Scappoose

Scappoose Branch

Type: Branch Office

52691 Columbia River Hwy

Scappoose, OR 97056-3120

Phone: (503) 397-2376

Services: Member Services, ATM, Drive-Thru

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