MID OREGON

Charter #12084 | OR

750M-1B (112 CUs) Community (281 CUs)
1 750M-1B in OR

MID OREGON has 9 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 2.2% in tier
  • + Relationship Depth Leader: Top 7.3% in tier
  • + Wallet Share Momentum: Top 14.6% 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
  • - Growth-at-Risk: 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
 48th in tier
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
 44th in tier
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
 59th in tier
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
 Bottom 16.1% in tier
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
 Top 15.2% in tier
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
 61st in tier
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
 57th in tier
Indirect Auto % 20.2%
+7.7% YoY+2.5% QoQ
 +6.2% 14.0%
-5.8% YoY
 13.9%
-0.5% YoY
 7.9%
-2.9% YoY
 71st in tier

Signature Analysis

Strengths (3)

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: 13.96%, National: 7.90%)
but worse than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#203 of 1006 • Top 7.3% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

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
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Wallet Share Momentum

growth
#402 of 1006 • Top 14.6% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 5.69%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Concerns (5)

Margin Compression

decline
#8 of 136 • Bottom 1.7% in tier

Strong profitability track record but margins eroding. 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 Change (YoY): -0.34% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Total Assets: $839.83M
(Tier: $859.01M, National: $547.69M)
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: 3.64%, National: 36.38%)
but better than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank improving

Growth-at-Risk

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: 3.64%, 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
446 of 281 Community CUs have this signature | 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: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 5.23%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 281 Community CUs have this signature | 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
736 of 281 Community CUs have this signature | 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)

Comparing against 112 peers in tier

Top Strengths (11 metrics)

3
Return on Assets (ROA)
profitability
Value: 1.72%
Peer Avg: 0.71%
#3 of 112 Top 1.8% in 750M-1B tier
5
Net Interest Margin (NIM)
profitability
Value: 4.41%
Peer Avg: 3.38%
#5 of 112 Top 3.6% in 750M-1B tier
7
Total Delinquency Rate (60+ days)
risk
Value: 0.20%
Peer Avg: 0.82%
#7 of 112 Top 5.4% in 750M-1B tier
10
Deposit Growth Rate
growth
Value: 10.39%
Peer Avg: 5.03%
#10 of 112 Top 8.0% in 750M-1B tier
12
Total Loans
balance_sheet
Value: $726.48M
Peer Avg: $603.36M
#12 of 112 Top 9.8% in 750M-1B tier
13
Asset Growth Rate
growth
Value: 11.10%
Peer Avg: 4.25%
#13 of 112 Top 10.7% in 750M-1B tier
14
Member Growth Rate
growth
Value: 5.23%
Peer Avg: 1.14%
#14 of 112 Top 11.6% in 750M-1B tier
16
Loan Growth Rate
growth
Value: 12.07%
Peer Avg: 4.84%
#16 of 112 Top 13.4% in 750M-1B tier
17
Loan-to-Share Ratio
balance_sheet
Value: 97.69%
Peer Avg: 82.66%
#17 of 112 Top 14.3% in 750M-1B tier
19
Efficiency Ratio
profitability
Value: 62.66%
Peer Avg: 74.52%
#19 of 112 Top 16.1% in 750M-1B tier

Top Weaknesses (0 metrics)

No weakness rankings available