BlastPoint's Credit Union Scorecard
EMBOLD
Charter #11793 · OR
EMBOLD has 1 strength but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.87% above tier average
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 16.4% in tier
- - Credit Quality Pressure: Bottom 17.5% in tier
- - Efficiency Drag: Bottom 34.4% in tier
- - Stagnation Risk: Bottom 58.7% in tier
- - Accelerating Exit Risk: Bottom 58.7% in tier
- - Membership Headwinds: Bottom 58.7% in tier
- - Flatlined Growth: Bottom 87.0% in tier
- - Indirect Auto Dependency: Bottom 87.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 2 that size in Oregon.
- Shares and deposits -1.2% year over year ($529M in shares and deposits).
- Membership: 36,483 members, -0.6% vs a year ago.
- Delinquency rate 0.95%.
- Return on assets 0.35%.
- Efficiency ratio 81.82% vs a 76.56% peer average.
- Loan-to-share ratio 79.67% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
36,483
-0.6% YoY-0.0% QoQ
|
-1.4K |
37,897
-5.0% YoY
|
51,821
+9.3% YoY
|
34,678
+6.6% YoY
|
48% |
| Assets |
$595.7M
-0.7% YoY-0.1% QoQ
|
$-26.7M |
$622.4M
+0.6% YoY
|
$850.7M
+8.9% YoY
|
$593.1M
+10.2% YoY
|
39% |
| Loans |
$421.8M
-6.6% YoY-2.4% QoQ
|
$-6.7M |
$428.5M
-0.7% YoY
|
$590.7M
+10.5% YoY
|
$418.6M
+10.1% YoY
|
46% |
| Deposits |
$529.4M
-1.2% YoY-0.5% QoQ
|
$-10.3M |
$539.8M
+0.9% YoY
|
$725.1M
+8.5% YoY
|
$504.8M
+10.3% YoY
|
44% |
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| ROA |
0.3%
+101.0% YoY+137.4% QoQ
|
-0.5% |
0.8%
+39.5% YoY
|
0.8%
+19.1% YoY
|
1.2%
+121.4% YoY
|
19% |
| NIM |
4.4%
+2.4% YoY+1.3% QoQ
|
+0.9% |
3.5%
+5.0% YoY
|
4.0%
+5.3% YoY
|
3.8%
+2.3% YoY
|
Top 7.9% in tier |
| Efficiency Ratio |
81.8%
-8.5% YoY-3.6% QoQ
|
+5.3% |
76.6%
-3.6% YoY
|
78.0%
+0.7% YoY
|
83.0%
-5.3% YoY
|
69% |
| Delinquency Rate |
1.0%
+52.6% YoY-18.1% QoQ
|
+0.1 |
0.8%
+3.1% YoY
|
1.1%
+29.8% YoY
|
1.3%
+2.6% YoY
|
70% |
| Loan To Share |
79.7%
-5.5% YoY-1.9% QoQ
|
+0.3% |
79.3%
-1.4% YoY
|
76.6%
+0.5% YoY
|
66.4%
-1.4% YoY
|
43% |
| AMR |
$26,074
-3.2% YoY-1.3% QoQ
|
$-1K |
$27,294
+4.1% YoY
|
$25,405
+1.6% YoY
|
$20,028
-0.9% YoY
|
54% |
| CD Concentration |
17.8%
+1.9% YoY+0.7% QoQ
|
-6.8% | 24.6% | 16.7% | 20.0% | 26% |
| Indirect Auto % |
24.1%
-15.5% YoY-5.0% QoQ
|
+10.5% | 13.6% | 13.6% | 7.7% | 77% |
Signature Analysis
Strengths (0)
Concerns (10)
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)