BlastPoint's Credit Union Scorecard

SUNSET SCIENCE PARK

Charter #13416 · OR

2556 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 1.07% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Total Loans: Top 0.2% in tier
  • + Loan-to-Member Ratio (LMR): Top 0.4% in tier
  • + Average Member Relationship (AMR): Top 0.9% in tier
  • + Loan-to-Share Ratio: Top 2.7% in tier
  • + Total Assets: Top 3.9% in tier
  • + Fee Income Per Member: Top 4.4% in tier
  • + Total Deposits: Top 4.7% in tier

Key Concerns

Areas that may need attention

  • - First Mortgage Concentration (%): Bottom 1.4% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
Members 3,561
+1.3% YoY+0.5% QoQ
+945 2,615
-1.9% YoY
49,474
+8.2% YoY
33,374
+5.7% YoY
74%
Assets $90.2M
+0.6% YoY-1.9% QoQ
+$60.0M $30.1M
+2.1% YoY
$800.8M
+6.1% YoY
$561.6M
+9.7% YoY
Top 4.0% in tier
Loans $79.1M
+0.5% YoY+0.4% QoQ
+$63.3M $15.8M
-1.3% YoY
$554.3M
+9.3% YoY
$397.0M
+8.8% YoY
Top 0.2% in tier
Deposits $75.8M
-1.4% YoY-2.7% QoQ
+$50.1M $25.7M
+1.4% YoY
$686.9M
+6.2% YoY
$477.3M
+9.7% YoY
Top 4.8% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 1.7%
+78.3% YoY+3.0% QoQ
+1.1% 0.6%
+10.8% YoY
0.6%
+1.0% YoY
0.7%
+15.9% YoY
Top 11.7% in tier
NIM 3.3%
+17.6% YoY+2.0% QoQ
-0.7% 4.0%
+4.0% YoY
3.9%
+7.3% YoY
3.8%
+5.1% YoY
27%
Efficiency Ratio 59.3%
-14.9% YoY-0.7% QoQ
-23.3% 82.6%
-2.3% YoY
79.6%
-0.7% YoY
79.7%
-3.3% YoY
Bottom 10.7% in tier
Delinquency Rate 1.1%
+1285.6% YoY+105.2% QoQ
-0.5 1.6%
-3.1% YoY
1.1%
+23.3% YoY
1.3%
-2.1% YoY
62%
Loan To Share 104.3%
+1.9% YoY+3.2% QoQ
+43.7% 60.6%
-3.1% YoY
76.3%
+0.6% YoY
67.4%
-1.7% YoY
Top 2.8% in tier
AMR $43,508
-1.7% YoY-1.6% QoQ
+$29K $14,783
-1.4% YoY
$24,960
+0.4% YoY
$19,687
+2.0% YoY
Top 0.9% in tier
CD Concentration 32.9%
-7.1% YoY-2.6% QoQ
+8.5% 24.4% 16.6% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 13.7% 7.8% 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 2556 peers in tier

Top Strengths (12 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 2556 Top 0.0% in <100M tier
6
Total Loans
balance_sheet
Value: $79.11M
Peer Median: -
#6 of 2556 Top 0.2% in <100M tier
11
Loan-to-Member Ratio (LMR)
engagement
Value: $22,215
Peer Median: -
#11 of 2556 Top 0.4% in <100M tier
23
Average Member Relationship (AMR)
engagement
Value: $43,508
Peer Median: -
#23 of 2556 Top 0.9% in <100M tier
69
Loan-to-Share Ratio
balance_sheet
Value: 104.33%
Peer Median: -
#69 of 2556 Top 2.7% in <100M tier
101
Total Assets
balance_sheet
Value: $90.16M
Peer Median: -
#101 of 2556 Top 3.9% in <100M tier
113
Fee Income Per Member
profitability
Value: $225.44
Peer Median: -
#113 of 2556 Top 4.4% in <100M tier
122
Total Deposits
balance_sheet
Value: $75.82M
Peer Median: -
#122 of 2556 Top 4.7% in <100M tier
275
Efficiency Ratio
profitability
Value: 59.25%
Peer Median: -
#275 of 2556 Top 10.7% in <100M tier
299
Return on Assets (ROA)
profitability
Value: 1.69%
Peer Median: -
#299 of 2556 Top 11.7% in <100M tier

Top Weaknesses (2 metrics)

2522
First Mortgage Concentration (%)
balance_sheet
Value: 77.40%
Peer Median: -
#2522 of 2556 Bottom 1.4% in <100M tier
2196
Share Certificate Concentration (%)
balance_sheet
Value: 32.93%
Peer Median: -
#2196 of 2556 Bottom 14.1% in <100M tier
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