BlastPoint's Credit Union Scorecard
EMBOLD
Charter #11793 · OR
EMBOLD has 1 strength but faces 8 concerns
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How does OR stack up?
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
- - Credit Quality Pressure: Bottom 7.4% in tier
- - Efficiency Drag: Bottom 28.0% in tier
- - Deposit Outflow: Bottom 85.2% in tier
- - Indirect Auto Dependency: Bottom 87.4% in tier
- - Shrinking Wallet Share: Bottom 89.3% in tier
- - ROA 0.54% below tier average
- - Efficiency ratio 6.46% above tier (higher cost structure)
- - Delinquency rate 0.46% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
36,496
-0.0% YoY+0.0% QoQ
|
-1.6K |
38,079
-4.8% YoY
|
51,194
+9.2% YoY
|
33,913
+5.7% YoY
|
48% |
| Assets |
$596.1M
-0.8% YoY+0.7% QoQ
|
$-23.6M |
$619.7M
-0.2% YoY
|
$843.4M
+7.6% YoY
|
$578.3M
+9.0% YoY
|
40% |
| Loans |
$432.2M
-3.7% YoY-2.3% QoQ
|
+$12.8M |
$419.3M
-1.4% YoY
|
$578.4M
+10.5% YoY
|
$402.4M
+8.7% YoY
|
52% |
| Deposits |
$532.0M
-0.9% YoY+0.9% QoQ
|
$-7.4M |
$539.5M
-0.1% YoY
|
$722.8M
+7.3% YoY
|
$494.3M
+9.1% YoY
|
45% |
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| ROA |
0.1%
-153.9% YoY-54.7% QoQ
|
-0.5% |
0.7%
+36.0% YoY
|
0.7%
-4.2% YoY
|
0.4%
-39.2% YoY
|
Bottom 13.8% in tier |
| NIM |
4.3%
+2.8% YoY-1.4% QoQ
|
+0.9% |
3.5%
+4.5% YoY
|
4.0%
+4.4% YoY
|
3.8%
+4.1% YoY
|
Top 6.6% in tier |
| Efficiency Ratio |
84.8%
-14.8% YoY+3.2% QoQ
|
+6.5% |
78.4%
-3.7% YoY
|
77.9%
+0.7% YoY
|
84.6%
+2.8% YoY
|
75% |
| Delinquency Rate |
1.2%
+88.6% YoY+18.1% QoQ
|
+0.5 |
0.7%
-0.9% YoY
|
1.1%
+40.5% YoY
|
1.2%
+3.4% YoY
|
83% |
| Loan To Share |
81.2%
-2.9% YoY-3.1% QoQ
|
+3.6% |
77.7%
-1.2% YoY
|
75.8%
+1.2% YoY
|
65.6%
-1.4% YoY
|
54% |
| AMR |
$26,420
-2.2% YoY-0.5% QoQ
|
$-508 |
$26,927
+3.1% YoY
|
$25,270
+0.9% YoY
|
$19,920
+1.6% YoY
|
55% |
| CD Concentration |
17.7%
+4.5% YoY-0.6% QoQ
|
-6.6% | 24.3% | 16.7% | 19.8% | 26% |
| Indirect Auto % |
25.4%
-13.5% YoY-3.8% QoQ
|
+11.6% | 13.8% | 13.7% | 7.7% | 78% |
Signature Analysis
Strengths (0)
Concerns (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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.
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)