Financial Empowerment Quarterly – Winter 2025

The Oregon State Treasury’s 2025 Financial Wellness Scorecard, published on February 4, 2025, reveals that about a third of Oregonians are unable to save, as many households face persistent challenges in making ends meet. Individuals and families across the state are increasingly relying on borrowing and using risky credit products to cover expenses, underscoring the difficult financial conditions experienced by many.

While the report notes some positive trends like rising median incomes and increased participation in retirement and college savings, nearly half of all families lack the cash on hand to cover a $500 unexpected expense. The Annual Scorecard, which is assembled to inform policymakers and the public, brings critical insights into the impact of economic pressures on the quality of life for Oregonians.