regional credit union

OnPoint Community Credit Union

A large Oregon-based member-owned credit union serving Oregon and Southwest Washington through branches and digital banking. It scores this way because credit-union ownership keeps more value with members than shareholder banks, while scale and ordinary financial-data monitoring keep it below the strongest community-development institutions.

Why this matters: OnPoint is one of the main Oregon banking alternatives people can actually visit.

Letter grade B Qualified Medium confidence (AI) Rubric gcd-rubric-v1 Last reviewed May 15, 2026

Final Score 48* B - Qualified

BQUALIFIED48 pts

* Tentative scaffolding score. Not human-checked or final.

Base Material48

Bonus+0

Cap66No structure cap

After Cap48

Penalties0

!Not Verified

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Evaluation Overview

B - Qualified

The score turns mainly on Ownership; no penalty currently dominates the evaluation.

Strengths

Ownership7/10
Extraction7/10
Governance6/10

Penalties

No penalties applied in this version.

Evidence state

ConfidenceMedium confidence (AI)
ThoroughnessDeveloped (AI)
Linked claims3
Direct axis claims3
Coverage3/9

Scoring Axes

Axis	Score	Why this score
Ownership ? Control rights: shareholder-dominated at 0, worker cooperative control at 10.	7 / 10	The linked record identifies OnPoint Community Credit Union publicly as a member-owned credit union or financial cooperative rather than a shareholder-owned bank. The linked record identifies OnPoint Community Credit Union publicly as a member-owned credit union or financial cooperative rather than a shareholder-owned bank. This places OnPoint Community Credit Union above shareholder banks on Ownership: member ownership and not-for-profit cooperative form give customers a stronger structural claim on surplus and institutional purpose. It stays below the top of the column because public evidence still shows conventional management, credit products, branch administration, and limited direct member rulemaking rather than full democratic control. Calibration notes Comparative anchor: WA/IL/OR A/B expansion calibrated against existing cooperative groceries, credit unions, community-development banks, shareholder banks, and conventional grocery chains. Linked evidence OnPoint Community Credit Union publicly describes itself as a member-owned credit union or financial cooperative rather than a shareholder-owned bank. [1] context OnPoint Community Credit Union offers ordinary household financial services such as deposits, cards, loans, or digital banking through branch or online access. [2] context OnPoint Community Credit Union's core public offering is useful consumer banking and lending infrastructure rather than a discretionary attention or vice product. [3]
Governance ? Binding decision authority: centralized control at 0, democratic stakeholder control at 10.	6 / 10	The linked record identifies OnPoint Community Credit Union publicly as a member-owned credit union or financial cooperative rather than a shareholder-owned bank. The linked record identifies OnPoint Community Credit Union publicly as a member-owned credit union or financial cooperative rather than a shareholder-owned bank. This places OnPoint Community Credit Union above shareholder banks on Governance: member ownership and not-for-profit cooperative form give customers a stronger structural claim on surplus and institutional purpose. It stays below the top of the column because public evidence still shows conventional management, credit products, branch administration, and limited direct member rulemaking rather than full democratic control. Calibration notes Comparative anchor: WA/IL/OR A/B expansion calibrated against existing cooperative groceries, credit unions, community-development banks, shareholder banks, and conventional grocery chains. Linked evidence context OnPoint Community Credit Union publicly describes itself as a member-owned credit union or financial cooperative rather than a shareholder-owned bank. [1] context OnPoint Community Credit Union offers ordinary household financial services such as deposits, cards, loans, or digital banking through branch or online access. [2] context OnPoint Community Credit Union's core public offering is useful consumer banking and lending infrastructure rather than a discretionary attention or vice product. [3]
Extraction ? Surplus allocation, wage share, CEO pay ratio, margins, and structured extraction judgment.	7 / 10	The linked record identifies OnPoint Community Credit Union publicly as a member-owned credit union or financial cooperative rather than a shareholder-owned bank. The linked record identifies OnPoint Community Credit Union publicly as a member-owned credit union or financial cooperative rather than a shareholder-owned bank. This places OnPoint Community Credit Union above shareholder banks on Extraction: member ownership and not-for-profit cooperative form give customers a stronger structural claim on surplus and institutional purpose. It stays below the top of the column because public evidence still shows conventional management, credit products, branch administration, and limited direct member rulemaking rather than full democratic control. Calibration notes Comparative anchor: WA/IL/OR A/B expansion calibrated against existing cooperative groceries, credit unions, community-development banks, shareholder banks, and conventional grocery chains. Linked evidence context OnPoint Community Credit Union publicly describes itself as a member-owned credit union or financial cooperative rather than a shareholder-owned bank. [1] context OnPoint Community Credit Union offers ordinary household financial services such as deposits, cards, loans, or digital banking through branch or online access. [2] context OnPoint Community Credit Union's core public offering is useful consumer banking and lending infrastructure rather than a discretionary attention or vice product. [3]
Labor Sovereignty ? Worker power: coercive conditions at 0, co-determination or ownership at 7. Employee dissatisfaction matters only when source-backed evidence shows concrete limits on worker agency, such as coercive scheduling, retaliation, wage theft, harassment, unsafe conditions, suppression of worker voice, or extreme turnover.	4 / 7	The linked record identifies OnPoint Community Credit Union publicly as a member-owned credit union or financial cooperative rather than a shareholder-owned bank. The linked record identifies OnPoint Community Credit Union publicly as a member-owned credit union or financial cooperative rather than a shareholder-owned bank. This keeps OnPoint Community Credit Union in the middle of Labor Sovereignty: the credit-union form is materially better aligned than bank shareholders, but the linked record does not make this axis the institution's strongest democratic or anti-extractive feature. Calibration notes Comparative anchor: WA/IL/OR A/B expansion calibrated against existing cooperative groceries, credit unions, community-development banks, shareholder banks, and conventional grocery chains. Linked evidence context OnPoint Community Credit Union publicly describes itself as a member-owned credit union or financial cooperative rather than a shareholder-owned bank. [1] context OnPoint Community Credit Union offers ordinary household financial services such as deposits, cards, loans, or digital banking through branch or online access. [2] context OnPoint Community Credit Union's core public offering is useful consumer banking and lending infrastructure rather than a discretionary attention or vice product. [3]
Solidarity with the Unemployed ? Treatment of exits and nonworkers, including severance, redeployment, and non-competes.	5 / 7	The linked record identifies OnPoint Community Credit Union publicly as a member-owned credit union or financial cooperative rather than a shareholder-owned bank. The linked record identifies OnPoint Community Credit Union publicly as a member-owned credit union or financial cooperative rather than a shareholder-owned bank. This places OnPoint Community Credit Union above shareholder banks on Solidarity with the Unemployed: member ownership and not-for-profit cooperative form give customers a stronger structural claim on surplus and institutional purpose. It stays below the top of the column because public evidence still shows conventional management, credit products, branch administration, and limited direct member rulemaking rather than full democratic control. Calibration notes Comparative anchor: WA/IL/OR A/B expansion calibrated against existing cooperative groceries, credit unions, community-development banks, shareholder banks, and conventional grocery chains. Linked evidence context OnPoint Community Credit Union publicly describes itself as a member-owned credit union or financial cooperative rather than a shareholder-owned bank. [1] context OnPoint Community Credit Union offers ordinary household financial services such as deposits, cards, loans, or digital banking through branch or online access. [2] context OnPoint Community Credit Union's core public offering is useful consumer banking and lending infrastructure rather than a discretionary attention or vice product. [3]
Loss-Bearing Fidelity ? Willingness to absorb costs to preserve values, workers, users, and public obligations.	5 / 7	The linked record identifies OnPoint Community Credit Union publicly as a member-owned credit union or financial cooperative rather than a shareholder-owned bank. The linked record identifies OnPoint Community Credit Union publicly as a member-owned credit union or financial cooperative rather than a shareholder-owned bank. This places OnPoint Community Credit Union above shareholder banks on Loss-Bearing Fidelity: member ownership and not-for-profit cooperative form give customers a stronger structural claim on surplus and institutional purpose. It stays below the top of the column because public evidence still shows conventional management, credit products, branch administration, and limited direct member rulemaking rather than full democratic control. Calibration notes Comparative anchor: WA/IL/OR A/B expansion calibrated against existing cooperative groceries, credit unions, community-development banks, shareholder banks, and conventional grocery chains. Linked evidence context OnPoint Community Credit Union publicly describes itself as a member-owned credit union or financial cooperative rather than a shareholder-owned bank. [1] context OnPoint Community Credit Union offers ordinary household financial services such as deposits, cards, loans, or digital banking through branch or online access. [2] context OnPoint Community Credit Union's core public offering is useful consumer banking and lending infrastructure rather than a discretionary attention or vice product. [3]
Market Conduct ? Pricing fairness, switching costs, lock-in, and rent extraction.	5 / 5	The linked record identifies OnPoint Community Credit Union publicly as a member-owned credit union or financial cooperative rather than a shareholder-owned bank. The linked record identifies OnPoint Community Credit Union publicly as a member-owned credit union or financial cooperative rather than a shareholder-owned bank. This places OnPoint Community Credit Union above shareholder banks on Market Conduct: member ownership and not-for-profit cooperative form give customers a stronger structural claim on surplus and institutional purpose. It stays below the top of the column because public evidence still shows conventional management, credit products, branch administration, and limited direct member rulemaking rather than full democratic control. Calibration notes Comparative anchor: WA/IL/OR A/B expansion calibrated against existing cooperative groceries, credit unions, community-development banks, shareholder banks, and conventional grocery chains. Linked evidence context OnPoint Community Credit Union publicly describes itself as a member-owned credit union or financial cooperative rather than a shareholder-owned bank. [1] OnPoint Community Credit Union offers ordinary household financial services such as deposits, cards, loans, or digital banking through branch or online access. [2] context OnPoint Community Credit Union's core public offering is useful consumer banking and lending infrastructure rather than a discretionary attention or vice product. [3]
Product Integrity ? Preservation of quality rather than degradation for monetization.	5 / 5	The linked record identifies OnPoint Community Credit Union publicly as a member-owned credit union or financial cooperative rather than a shareholder-owned bank. The linked record identifies OnPoint Community Credit Union publicly as a member-owned credit union or financial cooperative rather than a shareholder-owned bank. This places OnPoint Community Credit Union above shareholder banks on Product Integrity: member ownership and not-for-profit cooperative form give customers a stronger structural claim on surplus and institutional purpose. It stays below the top of the column because public evidence still shows conventional management, credit products, branch administration, and limited direct member rulemaking rather than full democratic control. Calibration notes Comparative anchor: WA/IL/OR A/B expansion calibrated against existing cooperative groceries, credit unions, community-development banks, shareholder banks, and conventional grocery chains. Linked evidence context OnPoint Community Credit Union publicly describes itself as a member-owned credit union or financial cooperative rather than a shareholder-owned bank. [1] context OnPoint Community Credit Union offers ordinary household financial services such as deposits, cards, loans, or digital banking through branch or online access. [2] OnPoint Community Credit Union's core public offering is useful consumer banking and lending infrastructure rather than a discretionary attention or vice product. [3]
Scale Integrity ? Whether growth improves or degrades fairness and accountability.	4 / 5	The linked record identifies OnPoint Community Credit Union publicly as a member-owned credit union or financial cooperative rather than a shareholder-owned bank. The linked record identifies OnPoint Community Credit Union publicly as a member-owned credit union or financial cooperative rather than a shareholder-owned bank. This keeps OnPoint Community Credit Union in the middle of Scale Integrity: the credit-union form is materially better aligned than bank shareholders, but the linked record does not make this axis the institution's strongest democratic or anti-extractive feature. Calibration notes Comparative anchor: WA/IL/OR A/B expansion calibrated against existing cooperative groceries, credit unions, community-development banks, shareholder banks, and conventional grocery chains. Linked evidence context OnPoint Community Credit Union publicly describes itself as a member-owned credit union or financial cooperative rather than a shareholder-owned bank. [1] context OnPoint Community Credit Union offers ordinary household financial services such as deposits, cards, loans, or digital banking through branch or online access. [2] context OnPoint Community Credit Union's core public offering is useful consumer banking and lending infrastructure rather than a discretionary attention or vice product. [3]

Penalties

No penalties applied in this version.

Bonus Credits

No bonus credits applied in this version.

Confidence Basis

Confidence is computed from the evidence trail and review state, not typed into the profile by hand.

Medium 68/100

3 verified linked claims 3 direct axis claims 0 disputed claims 3/9 components covered

This confidence label measures the source-backed evidence trail. AI-scaffolded scores remain tentative until human review.

Claim confidence 20/20

3 verified linked claims

Source quality 10/18

Best source per verified claim, weighted by institutional reliability

Direct axis-specific claims 6/18

3 direct claims across 9 active components

Dispute load 12/12

0 disputed claims on this entity

Recency 10/10

Newest accepted timestamp: May 15, 2026

Reviewer status 7/12

Human-reviewed components score higher than AI scaffolding

Component coverage 3/10

3/9 evidence-bearing components have direct support

Evidence State

Profile stateAI draft / human-pending

VerificationUnverified

ConfidenceMedium confidence (AI)

ThoroughnessDeveloped (AI)

Correction routeUse “Challenge this rating” for factual errors, missing counterevidence, source problems, or calculation mistakes.

Company responseCompany representatives can submit source-backed corrections; payment never changes scores or reviewer authority.

Claims and Sources

Claims are the evidence record. Each claim needs a source link, axis category, status, confidence level, and timestamp before it can support a score.

* Tentative scaffolding score. Not human-checked or final.

1OnPoint Community Credit Union publicly describes itself as a member-owned credit union or financial cooperative rather than a shareholder-owned bank.

Ownership Verified High confidence Human-reviewed May 15, 2026

OnPoint storyGeneral web source · 58%

2OnPoint Community Credit Union offers ordinary household financial services such as deposits, cards, loans, or digital banking through branch or online access.

Market Conduct Verified High confidence Human-reviewed May 15, 2026

OnPoint locationsGeneral web source · 58%

3OnPoint Community Credit Union's core public offering is useful consumer banking and lending infrastructure rather than a discretionary attention or vice product.

Product Integrity Verified High confidence Human-reviewed May 15, 2026

OnPoint locationsGeneral web source · 58%

Alternatives

AGOOD55 HOPE Credit Union community development credit union · United States AGOOD55 Self-Help Credit Union community development credit union · United States AGOOD54 The Institute of Student Loan Advisors nonprofit free student-loan advice organization · United States AGOOD53 Clean Energy Credit Union federally chartered credit union · United States AGOOD53 National Foundation for Credit Counseling nonprofit credit-counseling network · United States

Competitors

BQUALIFIED48 Rivermark Community Credit Union regional credit union · same market BQUALIFIED48 Unitus Community Credit Union regional credit union · same market AGOOD55 HOPE Credit Union community development credit union · United States AGOOD55 Self-Help Credit Union community development credit union · United States AGOOD54 The Institute of Student Loan Advisors nonprofit free student-loan advice organization · United States AGOOD53 Clean Energy Credit Union federally chartered credit union · United States AGOOD53 National Foundation for Credit Counseling nonprofit credit-counseling network · United States AGOOD52 Seattle Credit Union community development credit union · United States

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