BlastPoint's Credit Union Scorecard
EMBOLD
Charter #11793 · OR
EMBOLD has 2 strengths but faces 11 concerns
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How does OR stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 97.3% in tier
- + Net Interest Margin 0.95% above tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 32.3% in tier
- - Flatlined Growth: Bottom 40.0% in tier
- - Efficiency Drag: Bottom 42.1% in tier
- - Credit Quality Pressure: Bottom 48.0% in tier
- - Shrinking Wallet Share: Bottom 75.4% in tier
- - Credit Risk Growth: Bottom 78.2% in tier
- - Indirect Auto Dependency: Bottom 90.1% in tier
- - ROA 0.34% below tier average
- - Efficiency ratio 4.68% above tier (higher cost structure)
- - Delinquency rate 0.14% above tier average
- - Deposit Growth Rate: Bottom 8.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
36,495
+1.3% YoY-0.7% QoQ
|
-2.1K |
38,575
-4.8% YoY
|
49,474
+8.2% YoY
|
33,374
+5.7% YoY
|
46% |
| Assets |
$592.1M
-0.9% YoY-1.0% QoQ
|
$-29.6M |
$621.7M
+0.1% YoY
|
$800.8M
+6.1% YoY
|
$561.6M
+9.7% YoY
|
39% |
| Loans |
$442.2M
+2.0% YoY-0.4% QoQ
|
+$12.3M |
$429.8M
-1.8% YoY
|
$554.3M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
55% |
| Deposits |
$527.3M
-1.9% YoY-1.3% QoQ
|
$-11.4M |
$538.7M
+0.6% YoY
|
$686.9M
+6.2% YoY
|
$477.3M
+9.7% YoY
|
45% |
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| ROA |
0.3%
+37.7% YoY-3.7% QoQ
|
-0.3% |
0.7%
+42.9% YoY
|
0.6%
+1.0% YoY
|
0.7%
+15.9% YoY
|
24% |
| NIM |
4.4%
+9.0% YoY+1.2% QoQ
|
+1.0% |
3.4%
+8.0% YoY
|
3.9%
+7.3% YoY
|
3.8%
+5.1% YoY
|
Top 4.8% in tier |
| Efficiency Ratio |
82.2%
-0.0% YoY-2.9% QoQ
|
+4.7% |
77.5%
-4.1% YoY
|
79.6%
-0.7% YoY
|
79.7%
-3.3% YoY
|
72% |
| Delinquency Rate |
1.0%
+28.3% YoY+73.6% QoQ
|
+0.1 |
0.8%
-1.1% YoY
|
1.1%
+23.3% YoY
|
1.3%
-2.1% YoY
|
73% |
| Loan To Share |
83.8%
+3.9% YoY+0.9% QoQ
|
+4.0% |
79.8%
-2.3% YoY
|
76.3%
+0.6% YoY
|
67.4%
-1.7% YoY
|
53% |
| AMR |
$26,565
-1.4% YoY-0.2% QoQ
|
$-284 |
$26,849
+2.7% YoY
|
$24,960
+0.4% YoY
|
$19,687
+2.0% YoY
|
59% |
| CD Concentration |
17.8%
+3.8% YoY-0.9% QoQ
|
-6.6% | 24.4% | 16.6% | 19.8% | 26% |
| Indirect Auto % |
26.4%
-4.6% YoY-4.0% QoQ
|
+12.6% | 13.8% | 13.7% | 7.8% | 79% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (7)
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)