Sunset vs Umatilla County
Comparing a Credit Union in Portland, OR with a Credit Union in Pendleton, OR using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Sunset ↗ Credit Union · Portland, OR · Est. 1960 | Umatilla County ↗ Credit Union · Pendleton, OR · Est. 1983 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Portland, OR | Pendleton, OR |
| Total assets | $91.4M | $48.3M |
| Net worth ratio | 15.9% | 18.4% |
| Return on assets | 1.5% | 1.4% |
| Shares & deposits | — | — |
| Members | 3,559 | 2,448 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #3 of 47 | #6 of 47 |
| Established | 1960 | 1983 |
Sunset
- Assets: $91.4M
- Members: 3,559
- Capital ratio: 15.9%
- Return on assets: 1.5%
- CFPB complaints: 0
- State rank: #3 of 47
Umatilla County
- Assets: $48.3M
- Members: 2,448
- Capital ratio: 18.4%
- Return on assets: 1.4%
- CFPB complaints: 0
- State rank: #6 of 47
Are both institutions federally insured?
Yes. Sunset is NCUA-insured and Umatilla County is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Sunset or Umatilla County?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Sunset scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Sunset safe?
Yes — Sunset is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Umatilla County safe?
Yes — Umatilla County is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Sunset vs Umatilla County?
Sunset has a net worth ratio of 15.9%, placing it in the top 40% of <$100M peers. Umatilla County's ratio is 18.4%, placing it in the top 28% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Sunset have compared to Umatilla County?
The CFPB database shows 0 complaints against Sunset, and 0 complaints against Umatilla County. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Sunset with other Credit Unions in Oregon
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
