Sep, 30, 2025 — INROADS FEDERAL CREDIT UNION is a federal credit union headquartered in SAINT HELENS, OR with 4 branch locations and about $331.38 million in total assets. Opened 88 years ago in 1938, INROADS FEDERAL CREDIT UNION has about 16,217 members and employs 83 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | INROADS FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 1720 Saint Helens St SAINT HELENS, OR 97051-1745 |
| Phone: | (503) 397-2376 |
| Fax: | (503) 397-0688 |
| Website: | https://www.inroadscu.org |
| Branches: | 4 branch locations |
| Members: | 16,217 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 2730 |
|---|---|
| Membership Type: | Community - Rural District |
| Corporate Credit Union: | No |
| Year Opened: | 1938 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $331,381,830 |
| CEO/Manager: | Nathan Cox |
| Chairperson: | Lea Chitwood |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 24,841,414 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 205,265,079 |
| Unsecured Loans | 13,570,822 |
| Other Loans | 36,484,451 |
| TOTAL LOANS | 255,320,354 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -1,704,291 |
| Land And Building | 3,959,576 |
| Other Fixed Assets | 2,063,063 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 2,978,027 |
| All Other Assets | 45,144 |
| TOTAL ASSETS | 331,381,830 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 6,000,000 |
| Accounts Payable & Other Liabilities | 1,447,887 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 98,424,274 |
| Regular shares | 88,584,078 |
| All Other Shares & Deposits | 113,567,237 |
| TOTAL SHARES & DEPOSITS | 300,575,589 |
| TOTAL LIABILITIES | 308,023,476 |
| Regular Reserve | 0 |
| Other Reserves | -4,937,622 |
| Undivided Earnings | 28,295,976 |
| TOTAL EQUITY | 23,358,354 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 331,381,830 |
| INCOME & EXPENSE | |
| Loan Income | 11,217,242 |
| Investment Income | 1,106,110 |
| Other Income | 1,056,102 |
| Total Employee Compensation & Benefits | 6,031,686 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 5,828,373 |
| Non-operating Income & (Expense) | -2,516 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 1,083,543 |
| Cost of Funds | 2,979,248 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | -806,795 |
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