Sep, 30, 2025 — PACIFIC CREST FEDERAL CREDIT UNION is a federal credit union headquartered in KLAMATH FALLS, OR with 8 branch locations and about $378.33 million in total assets. Opened 90 years ago in 1936, PACIFIC CREST FEDERAL CREDIT UNION has about 25,609 members and employs 97 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | PACIFIC CREST FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 2972 Washburn Way KLAMATH FALLS, OR 97603 |
| Phone: | (541) 884-1376 |
| Fax: | (541) 885-8018 |
| Website: | https://www.mypcfcu.org |
| Branches: | 8 branch locations |
| Members: | 25,609 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 960 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1936 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $378,330,434 |
| CEO/Manager: | Chad Olney |
| Chairperson: | Karen L Devore |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 48,846,612 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 80,000,667 |
| Unsecured Loans | 21,285,455 |
| Other Loans | 157,438,538 |
| TOTAL LOANS | 258,724,660 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -2,080,806 |
| Land And Building | 7,745,374 |
| Other Fixed Assets | 2,414,242 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 2,903,107 |
| All Other Assets | 66,974 |
| TOTAL ASSETS | 378,330,434 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 691 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 2,941,330 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 111,438,637 |
| Regular shares | 126,520,438 |
| All Other Shares & Deposits | 100,151,064 |
| TOTAL SHARES & DEPOSITS | 338,110,139 |
| TOTAL LIABILITIES | 341,101,761 |
| Regular Reserve | 0 |
| Other Reserves | 5,526,562 |
| Undivided Earnings | 31,702,111 |
| TOTAL EQUITY | 37,228,673 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 378,330,434 |
| INCOME & EXPENSE | |
| Loan Income | 11,424,186 |
| Investment Income | 3,050,833 |
| Other Income | 1,326,418 |
| Total Employee Compensation & Benefits | 7,269,185 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 4,977,204 |
| Non-operating Income & (Expense) | -47,408 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 1,433,752 |
| Cost of Funds | 1,810,402 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 2,262,278 |
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