BlastPoint's Credit Union Scorecard

SUNSET SCIENCE PARK

Charter #13416 ยท OR

2596 CUs in <100M nationally 17 in OR

SUNSET SCIENCE PARK has 9 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.96% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Total Loans: Top 0.1% in tier
  • + Loan-to-Member Ratio (LMR): Top 0.4% in tier
  • + Average Member Relationship (AMR): Top 0.7% in tier
  • + Total Assets: Top 2.9% in tier
  • + Loan-to-Share Ratio: Top 3.5% in tier
  • + Total Deposits: Top 3.5% in tier
  • + Fee Income Per Member: Top 4.8% in tier

Key Concerns

Areas that may need attention

  • - First Mortgage Concentration (%): Bottom 1.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
Members 3,544
+1.6% YoY+0.8% QoQ
+918 2,625
-2.2% YoY
48,799
+9.4% YoY
33,089
+6.1% YoY
74%
Assets $91.9M
-3.8% YoY+1.1% QoQ
+$62.1M $29.9M
+1.1% YoY
$801.2M
+7.5% YoY
$547.7M
+7.8% YoY
Top 2.9% in tier
Loans $78.8M
+2.2% YoY-2.0% QoQ
+$63.0M $15.8M
-2.4% YoY
$546.0M
+10.9% YoY
$388.7M
+8.6% YoY
Top 0.1% in tier
Deposits $77.9M
-6.1% YoY+0.8% QoQ
+$52.5M $25.5M
+0.4% YoY
$683.7M
+7.5% YoY
$464.6M
+9.3% YoY
Top 3.5% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 1.6%
+76.3% YoY-3.4% QoQ
+1.0% 0.7%
-731.4% YoY
0.7%
+15.2% YoY
0.7%
+273.4% YoY
84%
NIM 3.2%
+20.5% YoY+2.3% QoQ
-0.7% 3.9%
+3.8% YoY
3.9%
+7.2% YoY
3.7%
+5.0% YoY
24%
Efficiency Ratio 59.7%
-14.0% YoY+1.6% QoQ
-21.7% 81.4%
-2.4% YoY
76.2%
-3.6% YoY
79.1%
-3.3% YoY
Bottom 13.6% in tier
Delinquency Rate 0.5%
+741.7% YoY+256.9% QoQ
-1.0 1.5%
-2.0% YoY
0.9%
-6.6% YoY
1.2%
-0.9% YoY
43%
Loan To Share 101.1%
+8.8% YoY-2.8% QoQ
+39.8% 61.2%
-3.0% YoY
76.2%
+0.8% YoY
68.0%
-1.7% YoY
Top 3.7% in tier
AMR $44,223
-3.6% YoY-1.4% QoQ
+$30K $14,627
-2.7% YoY
$25,038
+0.5% YoY
$19,418
+1.3% YoY
Top 0.7% in tier
CD Concentration 33.8%
+5.7% YoY-2.8% QoQ
+9.4% 24.4%
+4.2% YoY
16.6%
+1.3% YoY
19.6%
+6.2% YoY
50%
Indirect Auto % 0.0% -14.0% 14.0%
-5.7% YoY
13.9%
-0.5% YoY
7.9%
-2.9% YoY
50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2596 peers in tier

Top Strengths (12 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: -
#1 of 2596 Top 0.0% in <100M tier
3
Total Loans
balance_sheet
Value: $78.79M
Peer Avg: -
#3 of 2596 Top 0.1% in <100M tier
11
Loan-to-Member Ratio (LMR)
engagement
Value: $22,231
Peer Avg: -
#11 of 2596 Top 0.4% in <100M tier
19
Average Member Relationship (AMR)
engagement
Value: $44,223
Peer Avg: -
#19 of 2596 Top 0.7% in <100M tier
76
Total Assets
balance_sheet
Value: $91.91M
Peer Avg: -
#76 of 2596 Top 2.9% in <100M tier
92
Loan-to-Share Ratio
balance_sheet
Value: 101.08%
Peer Avg: -
#92 of 2596 Top 3.5% in <100M tier
92
Total Deposits
balance_sheet
Value: $77.94M
Peer Avg: -
#92 of 2596 Top 3.5% in <100M tier
125
Fee Income Per Member
profitability
Value: $223.16
Peer Avg: -
#125 of 2596 Top 4.8% in <100M tier
355
Efficiency Ratio
profitability
Value: 59.70%
Peer Avg: -
#355 of 2596 Top 13.6% in <100M tier
424
Return on Assets (ROA)
profitability
Value: 1.64%
Peer Avg: -
#424 of 2596 Top 16.3% in <100M tier

Top Weaknesses (6 metrics)

2563
First Mortgage Concentration (%)
balance_sheet
Value: 76.91%
Peer Avg: -
#2563 of 2596 Bottom 1.3% in <100M tier
2262
Share Certificate Concentration (%)
balance_sheet
Value: 33.81%
Peer Avg: -
#2262 of 2596 Bottom 12.9% in <100M tier
2224
Deposit Growth Rate
growth
Value: -6.07%
Peer Avg: -
#2224 of 2596 Bottom 14.4% in <100M tier
2119
Asset Growth Rate
growth
Value: -3.77%
Peer Avg: -
#2119 of 2596 Bottom 18.4% in <100M tier
2032
AMR Growth Rate
growth
Value: -3.62%
Peer Avg: -
#2032 of 2596 Bottom 21.8% in <100M tier
1961
Net Interest Margin (NIM)
profitability
Value: 3.22%
Peer Avg: -
#1961 of 2596 Bottom 24.5% in <100M tier
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