Annual Report
Messages to Our Members
ROB STUART President, CEO
Treasurer, Board of Directors
DARREN NAKATA Chair, Board of Directors
2025 CEO/Board Chair Letter
Serving our members through the many financial phases life presents has always been at the heart of our mission.
To Our Valued Members from Rob Stuart and Darren Nakata,
As we enter this new year, we want to express our deepest appreciation to you, our more than 637,000 members. From the coast to the Cascades, and from the Columbia River Gorge to the high desert, OnPoint serves communities throughout the Pacific Northwest, united by a shared commitment to financial well-being and local strength. Your confidence in OnPoint is both a key driver of our achievements and the very foundation of our mission. The relationships we have built with you across this diverse region inspire our unwavering dedication, and the strong financial performance detailed in this report is a direct result of our commitment to serving you and strengthening our communities.
Looking back on 2025, we are especially proud of the teamwork and dedication shown by our staff across every branch and department. This collective effort enables many members and neighbors to achieve their important financial goals. Last year, OnPoint generated 1,079 mortgage loans for first-time homebuyers, right here in our community. We also introduced a new Member Savings product that delivered an additional $2 million in interest to members, welcomed 42,000 new members, and expanded our services to commercial, nonprofit, and small business clients. We also opened 11,087 new Youth Saver accounts and supported more than 10,000 students with financial education in 185 classrooms led by our OnPoint team.
In 2025, we also invested more than $4 million in donations to our nonprofit partners, strengthening the safety net for our neighbors and building opportunities where they’re needed most. These efforts represent our continued commitment to the communities that make us all strong.
The coming year will continue to bring both challenges and opportunities. Our focus is firmly on the future. We are investing in innovative products and services and opening more branches to serve our communities. As you review the 2025 financial results, you will see robust net income and a net worth of 14.3%, which is a testament to our continued growth, financial strength, and commitment to safeguarding your interests as member-owners. Ultimately, our financial soundness is due to your trust in our organization over the past decades.
Supporting you through every chapter of your financial journey is central to our purpose. We recognize that your choice of financial partner reflects your aspirations and trust. Thank you for choosing OnPoint as your credit union. We are dedicated to earning that trust every day as your committed financial partner, both now and in the years ahead.
2025 Supervisory Committee Report
OnPoint Community Credit Union has received an "unqualified opinion" from Crowe LLP on its 2025 financial statements. This confirms that our 2025 financial statements are fairly presented in compliance with generally accepted accounting principles (GAAP). – Sheryl Manning, Chair, Supervisory Committee
I am honored to serve OnPoint Community Credit Union as Chair of the Supervisory Committee. Our three-member committee meets quarterly throughout the year and is charged with the following responsibilities:
- Reviewing OnPoint Board-level policies, receiving updates on management strategies, monitoring financial results, and exploring and discussing current credit union industry and accounting issues
- Reviewing the Credit Union’s established practices and procedures to ensure they safeguard members’ assets
- Reviewing audited financial results and ensuring they are complete and timely
- Ensuring member accounts are verified to credit union records periodically
- Overseeing the Internal Audit Function
As part of our responsibilities, the Supervisory Committee arranges a comprehensive annual audit of OnPoint Community Credit Union’s financial statements. CroweLLP (“Crowe”) performed the 2025 audit. Crowe supports the Supervisory Committee with its accounting expertise and thorough understanding of the credit union industry.
Upon the completion of the 2025 audit, the Supervisory Committee reviewed the audited financial statements and discussed them fully with Crowe. A summary of the financial results is included in OnPoint’s 2025 Annual Report. OnPoint Community Credit Union received an “unqualified opinion” from Crowe on its 2025 financial statements, which confirms that our 2025 financial statements are fairly presented in compliance with generally accepted accounting principles (GAAP).
The results of this audit, combined with the periodic verification of members’ accounts, provide the Supervisory Committee with assurance that the financial statements prepared by Credit Union management fairly reflect our Credit Union’s financial condition.