BlastPoint's Credit Union Scorecard
OLD WEST
Charter #12012 · OR
OLD WEST has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Relationship Depth Leader: Top 50.0% in tier
- + Net Interest Margin 0.23% above tier average
- + Net Charge-Off Rate: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.49% below tier average
- - Efficiency ratio 14.92% above tier (higher cost structure)
- - Delinquency rate 0.49% above tier average
- - Members Per Employee (MPE): Bottom 3.1% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 16 that size in Oregon.
- Shares and deposits +7.8% year over year ($278M in shares and deposits).
- Membership: 15,899 members, +2.9% vs a year ago.
- Delinquency rate 1.37%.
- Return on assets 0.37%.
- Efficiency ratio 91.65% vs a 76.73% peer average.
- Loan-to-share ratio 71.81% vs a 71.54% 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 |
15,899
+2.9% YoY+1.1% QoQ
|
+730 |
15,168
-2.6% YoY
|
51,821
+9.3% YoY
|
34,678
+6.6% YoY
|
62% |
| Assets |
$319.0M
+7.5% YoY-0.5% QoQ
|
+$87.0M |
$232.0M
+0.7% YoY
|
$850.7M
+8.9% YoY
|
$593.1M
+10.2% YoY
|
76% |
| Loans |
$199.8M
+2.7% YoY+2.8% QoQ
|
+$53.6M |
$146.3M
+0.2% YoY
|
$590.7M
+10.5% YoY
|
$418.6M
+10.1% YoY
|
75% |
| Deposits |
$278.3M
+7.8% YoY-0.9% QoQ
|
+$77.6M |
$200.7M
+0.2% YoY
|
$725.1M
+8.5% YoY
|
$504.8M
+10.3% YoY
|
77% |
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| ROA |
0.4%
-39.0% YoY+62.2% QoQ
|
-0.5% |
0.9%
+12.5% YoY
|
0.8%
+19.1% YoY
|
1.2%
+121.4% YoY
|
20% |
| NIM |
3.9%
-2.8% YoY+2.2% QoQ
|
+0.2% |
3.7%
+4.5% YoY
|
4.0%
+5.3% YoY
|
3.8%
+2.3% YoY
|
65% |
| Efficiency Ratio |
91.7%
+5.6% YoY-3.2% QoQ
|
+14.9% |
76.7%
-0.8% YoY
|
78.0%
+0.7% YoY
|
83.0%
-5.3% YoY
|
Bottom 8.6% in tier |
| Delinquency Rate |
1.4%
-17.7% YoY-18.9% QoQ
|
+0.5 |
0.9%
+6.6% YoY
|
1.1%
+29.8% YoY
|
1.3%
+2.6% YoY
|
82% |
| Loan To Share |
71.8%
-4.7% YoY+3.7% QoQ
|
+0.3% |
71.5%
-0.3% YoY
|
76.6%
+0.5% YoY
|
66.4%
-1.4% YoY
|
48% |
| AMR |
$30,071
+2.6% YoY-0.6% QoQ
|
+$5K |
$25,107
+3.2% YoY
|
$25,405
+1.6% YoY
|
$20,028
-0.9% YoY
|
80% |
| CD Concentration |
15.1%
+31.8% YoY-0.6% QoQ
|
-9.5% | 24.6% | 16.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 13.6% | 7.7% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)