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The Lender Report built this page from public records. Marion and Polk Schools Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about Marion and Polk Schools Credit Union itself. Each figure shows its source and date. Work at Marion and Polk Schools Credit Union? You can claim this page for free.
Credit union, Salem, OR
Marion and Polk Schools Credit Union
A credit union based in Salem, OR. Its commercial book is led by multifamily and non-owner-occupied CRE. Public files show recent multifamily, 1-4 unit investor, SBA 7(a) and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Commercial book
- $303M
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 11
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- 7
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $1.85B
- NCUA 5300,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 503-588-0181 From the NCUA record, June 30, 2026.
- Website
- www.mapscu.comFrom the NCUA record, November 9, 2026.
- Names it files under
- MARION AND POLK SCHOOLS; Maps Credit Union; Marion & Polk Schools Credit Union; Marion & Polk Schools CUNCUA 5300,
- Address
- PO Box 12398, Salem, OR 97309NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Non-Federal Credit Union. Designated low-income by NCUA.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
| When | What the record shows | Source |
|---|---|---|
| Jun 2025 to Jun 2026 | Multifamily balance rose 6.0% to $110.2M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 116.6% to $109.6M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 123.9% to $48.8M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Sep 2026 | Oregon | SBA 7(a), Specialized Freight (except Used Goods) Trucking, Local | $140K | 9% | 10 yr | SBA FOIA | |
| Jul 2026 | Oregon | SBA 7(a), Limited-Service Restaurants | $420K | 7.75% | 25 yr | SBA FOIA | |
| 2025 | Marion County, OR | Cash-out refinance, 5 to 24 units | $1M | 6.2% | 10 yr | 58% | HMDA 2025 |
| 2025 | Marion County, OR | Purchase, 25 to 49 units | $500K | 8.5% | 3 yr | 47% | HMDA 2025 |
| 2025 | Multnomah County, OR | Cash-out refinance, 5 to 24 units | $480K | 6.09% | 10 yr | 50% | HMDA 2025 |
| Jul 2025 | Oregon | SBA 7(a), Mining, Quarrying, and Oil and Gas Extraction | $5M | 8.5% | 10 yr | SBA FOIA | |
| Jan 2025 | Washington | SBA 7(a), Agriculture, Forestry, Fishing and Hunting | $250K | 9.5% | 10 yr | SBA FOIA | |
| 2024 | Clackamas County, OR | Purchase, 5 to 24 units | $900K | 6.96% | 10 yr | 55% | HMDA 2024 |
| 2024 | Lane County, OR | Purchase, 5 to 24 units | $860K | 6.85% | 10 yr | 56% | HMDA 2024 |
| 2024 | Multnomah County, OR | Cash-out refinance, 5 to 24 units | $700K | 6.69% | 10 yr | 44% | HMDA 2024 |
| 2024 | Marion County, OR | Refinance, 5 to 24 units | $200K | 6.21% | 6.8 yr | 20% | HMDA 2024 |
| Feb 2024 | Oregon | SBA 7(a), Retail Trade | $150K | 9.5% | 10 yr | SBA FOIA | |
| Dec 2023 | Oregon | SBA 7(a), Offices of Chiropractors | $240K | 10.5% | 10 yr | SBA FOIA | |
| Dec 2023 | Oregon | SBA 7(a), Offices of Chiropractors | $25K | 10.5% | 10 yr | SBA FOIA | |
| 7 SBA 7(a) loans since October 2023, net of cancelled | $6.21M | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $110M | 8.1% | +6.0% | 133 | $828K |
| Construction and land development | $10.2M | 0.8% | +725.8% | 6 | $1.70M |
| Owner-occupied CRE | $48.8M | 3.6% | +123.9% | 79 | $617K |
| Non-owner-occupied CRE | $110M | 8.0% | +116.6% | 101 | $1.09M |
| Farmland | $5.14M | 0.4% | +19.6% | 7 | $735K |
| Commercial and industrial | $18.6M | 1.4% | +543.4% | 71 | $262K |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $303M |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $186M |
| Q4 2023 | $186M |
| Q1 2024 | $186M |
| Q2 2024 | $187M |
| Q3 2024 | $187M |
| Q4 2024 | $187M |
| Q1 2025 | $186M |
| Q2 2025 | $185M |
| Q3 2025 | $183M |
| Q4 2025 | $180M |
| Q1 2026 | $307M |
| Q2 2026 | $303M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 3 | $2.00M | $500K | $1M | HMDA, |
| Multifamily, 5 or more units | 2024 | 4 | $2.70M | $780K | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 27 | $6.11M | $155K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 7 | $6.21M | $235K | $5M | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 2 | $560K | SBA FOIA, | ||
| Real-estate-secured commercial | First half of 2026 | 11 | $6.54M | NCUA 5300, | ||
| Multifamily | First half of 2026 | 3 | $1.76M | NCUA 5300, | ||
| Non-owner-occupied CRE | First half of 2026 | 8 | $4.78M | NCUA 5300, | ||
| C&I | First half of 2026 | 2 | $893K | NCUA 5300, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its NCUA charter number.
| Book | Average loan |
|---|---|
| Construction and land development | $1.70M |
| Multifamily | $828K |
| Owner-occupied CRE | $617K |
| Non-owner-occupied CRE | $1.09M |
| Farmland | $735K |
| Commercial and industrial | $262K |
Programs on record: Federal Home Loan Bank member, Des Moines district (FHFA).
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Oregon HQ | 17 | 3 | 27 | 6 | 0 |
| Washington | 0 | 0 | 0 | 1 | 0 |
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $227M | $102M to $531M across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $328M | $73.9M to $412M across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 144.4% | 42.7% to 138.5% across 8 peers | Business loans outstanding over the estimated cap. This credit union is designated low-income by NCUA and is exempt from the cap. | NCUA 5300, |
| Largest single borrower | $26.3M | $19.2M to $67.4M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 131.1% | 29.5% to 167.7% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 73.9% | 60.0% to 88.7% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Loan channel and SBA processing
Public record only
- Approval to first disbursement
- 39 days, median of 5
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Unitus Community Credit Union | OR | $1.81B | $314M |
| Oregon State Credit Union | OR | $2.78B | $356M |
| Selco Community Credit Union | OR | $3.01B | $369M |
| Consolidated Credit Union | OR | $834M | $84.5M |
| First Community Credit Union | OR | $1.89B | $250M |
| Oregon Community Credit Union | OR | $3.70B | $218M |
| Rogue Credit Union | OR | $4.33B | $203M |
| Rivermark Community Credit Union | OR | $3.26B | $292M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. Marion and Polk Schools Credit Union, NCUA charter 64166. Compare it with the regulator's record. [NCUA profile]
- Balances. $1.85B in total assets and $303M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 11 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 41 loans in HMDA and SBA files, through September 30, 2026: 3 HMDA multifamily 2025, 4 HMDA multifamily 2024, 27 HMDA 1-4 unit investor 2025, 7 SBA 7(a) in 36 months. [How each file was tied to Marion and Polk Schools Credit Union]
- Phone and website. Phone 503-588-0181, from the NCUA record. Website mapscu.com, from the NCUA record. [How to reach them]
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For the record
Data as of June 30, 2026. Page last changed November 11, 2026.
- Regulator
- NCUA and state regulator
- NCUA charter
- 64166
- RSSD
- 278797
- LEI
- 549300CDLJDN8ENOT455
- The Lender Report ID
- lr_000933
- Main office county
- Marion
- Members
- 87,283
- NCUA region
- 3 - Western
NCUA credit union details,
- Reported $1.9B in total assets as of June 30, 2026 (NCUA 5300).
- Held $302.6M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $110.2M of multifamily loans as of June 30, 2026, up 6.0% from a year earlier (NCUA 5300).
- Held $109.6M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 116.6% from a year earlier (NCUA 5300).
- Held $48.8M of owner-occupied commercial real estate loans as of June 30, 2026, up 123.9% from a year earlier (NCUA 5300).
- Originated 3 multifamily loans totaling $2M in 2025 (HMDA).
6 more sentences
- Originated 4 multifamily loans totaling $2.7M in 2024 (HMDA).
- Originated 27 1-4 unit investor or business-purpose loans totaling $6.1M in 2025 (HMDA).
- Recorded 7 SBA 7(a) approvals totaling $6.2M from October 1, 2023 to September 30, 2026 (SBA).
- Originated 11 real-estate-secured commercial loans totaling $6.5M in the first half of 2026 (NCUA 5300).
- Held $3M of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300).
- Listed 17 offices in 1 state (NCUA).
Cite this
Source: The Lender Report, Marion and Polk Schools Credit Union, https://lender.report/lender/marion-and-polk-schools-credit-union-or/, data as of June 30, 2026.
Sources
- NCUA 5300, June 30, 2026
- NCUA 5300, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- NCUA 5300, June 30, 2026
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Work at Marion and Polk Schools Credit Union? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem