BlastPoint's Credit Union Scorecard

MID OREGON

Charter #12084 · OR

Community 750M-1B

112 CUs in 750M-1B nationally 1 in OR

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MID OREGON has 11 strengths but faces 5 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

OR Analysis

How does OR stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 2.2% in tier
+ Profitability Leader: Top 23.9% in tier
+ Credit Quality Leader: Top 39.2% in tier
+ Relationship Depth Leader: Top 43.4% in tier
+ Wallet Share Momentum: Top 83.5% in tier
+ ROA 1.01% above tier average
+ Net Interest Margin 1.03% above tier average
+ Strong member growth: 5.2% YoY
+ Total Delinquency Rate (60+ days): Top 5.4% in tier
+ Deposit Growth Rate: Top 8.0% in tier
+ Total Loans: Top 9.8% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 1.7% in tier
- Liquidity Strain: Bottom 5.3% in tier
- Credit Risk Growth: Bottom 8.5% in tier
- Indirect Auto Dependency: Bottom 17.3% in tier
- Credit Quality Pressure: Bottom 18.4% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Members	51,251 +5.2% YoY+2.0% QoQ	-863	52,114 -2.1% YoY	48,799 +9.4% YoY	33,089 +6.1% YoY	48%
Assets	$839.8M +11.1% YoY+3.9% QoQ	$-19.2M	$859.0M +0.0% YoY	$801.2M +7.5% YoY	$547.7M +7.8% YoY	44%
Loans	$726.5M +12.1% YoY+2.8% QoQ	+$123.1M	$603.4M +1.0% YoY	$546.0M +10.9% YoY	$388.7M +8.6% YoY	Top 10.7% in tier
Deposits	$743.6M +10.4% YoY+3.9% QoQ	+$9.5M	$734.2M +0.9% YoY	$683.7M +7.5% YoY	$464.6M +9.3% YoY	59%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.7% -16.7% YoY+2.9% QoQ	+1.0%	0.7% +27.6% YoY	0.7% +15.2% YoY	0.7% +273.4% YoY	Top 2.7% in tier
NIM	4.4% -3.0% YoY-1.7% QoQ	+1.0%	3.4% +9.6% YoY	3.9% +7.2% YoY	3.7% +5.0% YoY	Top 4.5% in tier
Efficiency Ratio	62.7% +7.0% YoY-2.7% QoQ	-11.9%	74.5% -3.2% YoY	76.2% -3.6% YoY	79.1% -3.3% YoY	16%
Delinquency Rate	0.2% +149.2% YoY+3.7% QoQ	-0.6	0.8% +5.0% YoY	0.9% -6.6% YoY	1.2% -0.9% YoY	Bottom 5.4% in tier
Loan To Share	97.7% +1.5% YoY-1.1% QoQ	+15.0%	82.7% +0.1% YoY	76.2% +0.8% YoY	68.0% -1.7% YoY	85%
AMR	$28,684 +5.7% YoY+1.4% QoQ	+$34	$28,651 +2.5% YoY	$25,038 +0.5% YoY	$19,418 +1.3% YoY	61%
CD Concentration	26.2% +20.4% YoY+6.4% QoQ	+1.8%	24.4% +4.2% YoY	16.6% +1.3% YoY	19.6% +6.2% YoY	57%
Indirect Auto %	20.2% +7.7% YoY+2.5% QoQ	+6.2%	14.0% -5.7% YoY	13.9% -0.5% YoY	7.9% -2.9% YoY	71%

Signature Analysis

Strengths (5)

Organic Growth Engine

growth

#42 of 603 • Top 2.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 5.23%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.72%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 20.17%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Profitability Leader

growth

#82 of 340 • Top 23.9% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.72%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): -0.34% points

(Tier: 0.11% points, National: 0.05% points)

but worse than tier avg

457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Credit Quality Leader

growth

#134 of 340 • Top 39.2% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.20%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.12% points

(Tier: 0.04% points, National: 0.07% points)

but worse than tier avg

457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Relationship Depth Leader

growth

#112 of 257 • Top 43.4% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 5.69%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $3.4K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 281 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | New qualifier

Wallet Share Momentum

growth

#402 of 481 • Top 83.5% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.69%

(Tier: 3.68%, National: 4.19%)

better than tier avg

620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (5)

Margin Compression

decline

#8 of 136 • Bottom 1.7% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.72%

(Tier: 0.77%, National: 0.71%)

but better than tier avg

ROA (Prior Year): 2.06%

(Tier: 0.66%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -0.34% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

136 of 281 Community CUs have this signature | 169 nationally

↓ Shrinking -43 CUs YoY | New qualifier

Liquidity Strain

risk

#42 of 258 • Bottom 5.3% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 97.69%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 12.07%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 281 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank improving

Credit Risk Growth

risk

#128 of 446 • Bottom 8.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 12.07%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.12% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#279 of 525 • Bottom 17.3% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 11.10%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 20.17%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 5.23%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

768 nationally

↓ Shrinking -18 CUs YoY | Rank improving

Credit Quality Pressure

risk

#457 of 736 • Bottom 18.4% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.12% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

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)

Compare against:

Comparing against 112 peers in tier

Top Strengths (11 metrics)

Return on Assets (ROA)

profitability

Value: 1.72%

Peer Avg: -

#3 of 112 Top 1.8% in 750M-1B tier

Net Interest Margin (NIM)

profitability

Value: 4.41%

Peer Avg: -

#5 of 112 Top 3.6% in 750M-1B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.20%

Peer Avg: -

#7 of 112 Top 5.4% in 750M-1B tier

Deposit Growth Rate

growth

Value: 10.39%

Peer Avg: -

#10 of 112 Top 8.0% in 750M-1B tier

Total Loans

balance_sheet

Value: $726.48M

Peer Avg: -

#12 of 112 Top 9.8% in 750M-1B tier

Asset Growth Rate

growth

Value: 11.10%

Peer Avg: -

#13 of 112 Top 10.7% in 750M-1B tier

Member Growth Rate

growth

Value: 5.23%

Peer Avg: -

#14 of 112 Top 11.6% in 750M-1B tier

Loan Growth Rate

growth

Value: 12.07%

Peer Avg: -

#16 of 112 Top 13.4% in 750M-1B tier

Loan-to-Share Ratio

balance_sheet

Value: 97.69%

Peer Avg: -

#17 of 112 Top 14.3% in 750M-1B tier

Efficiency Ratio

profitability

Value: 62.66%

Peer Avg: -

#19 of 112 Top 16.1% in 750M-1B tier

Top Weaknesses (0 metrics)

No weakness rankings available