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BlastPoint's Credit Union Scorecard

SUNSET

Charter #13416 · OR

<100M
2508 CUs in <100M nationally 17 in OR

SUNSET has 7 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 1.33% above tier average
  • + Total Loans: Top 0.1% in tier
  • + Loan-to-Member Ratio (LMR): Top 0.4% in tier
  • + Average Member Relationship (AMR): Top 0.8% in tier
  • + Loan-to-Share Ratio: Top 2.4% in tier
  • + Total Assets: Top 3.3% in tier
  • + Total Deposits: Top 4.0% in tier

Key Concerns

Areas that may need attention

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

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
Members 3,559
+0.3% YoY-0.1% QoQ
+882 2,676
+1.6% YoY
51,194
+9.2% YoY
33,913
+5.7% YoY
75%
Assets $91.4M
-0.4% YoY+1.4% QoQ
+$61.2M $30.2M
+1.3% YoY
$843.4M
+7.6% YoY
$578.3M
+9.0% YoY
Top 3.3% in tier
Loans $78.9M
-0.0% YoY-0.2% QoQ
+$63.6M $15.3M
-2.0% YoY
$578.4M
+10.5% YoY
$402.4M
+8.7% YoY
Top 0.1% in tier
Deposits $76.8M
-2.2% YoY+1.3% QoQ
+$51.0M $25.8M
+0.7% YoY
$722.8M
+7.3% YoY
$494.3M
+9.1% YoY
Top 4.0% in tier

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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 1.5%
-29.7% YoY-12.7% QoQ
+1.3% 0.1%
-77.6% YoY
0.7%
-4.2% YoY
0.4%
-39.2% YoY
84%
NIM 3.5%
+14.0% YoY+5.3% QoQ
-0.6% 4.0%
+4.0% YoY
4.0%
+4.4% YoY
3.8%
+4.1% YoY
34%
Efficiency Ratio 62.3%
+16.1% YoY+5.2% QoQ
-28.3% 90.6%
+6.5% YoY
77.9%
+0.7% YoY
84.6%
+2.8% YoY
Top 14.7% in tier
Delinquency Rate 1.1%
+709.6% YoY+0.4% QoQ
-0.4 1.5%
+3.8% YoY
1.1%
+40.5% YoY
1.2%
+3.4% YoY
66%
Loan To Share 102.7%
+2.3% YoY-1.5% QoQ
+44.2% 58.5%
-3.0% YoY
75.8%
+1.2% YoY
65.6%
-1.4% YoY
Top 2.6% in tier
AMR $43,758
-1.4% YoY+0.6% QoQ
+$29K $14,884
-1.7% YoY
$25,270
+0.9% YoY
$19,920
+1.6% YoY
Top 0.9% in tier
CD Concentration 33.8%
+1.2% YoY+2.6% QoQ
+9.5% 24.3% 16.7% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 13.7% 7.7% 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 2508 peers in tier

Top Strengths (10 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2508 Top 0.1% in <100M tier
3
Total Loans
balance_sheet
Value: $78.91M
Peer Median: $9.48M
#3 of 2508 Top 0.1% in <100M tier
10
Loan-to-Member Ratio (LMR)
engagement
Value: $22,172
Peer Median: $4,923
#10 of 2508 Top 0.4% in <100M tier
22
Average Member Relationship (AMR)
engagement
Value: $43,758
Peer Median: $13,926
#22 of 2508 Top 0.8% in <100M tier
62
Loan-to-Share Ratio
balance_sheet
Value: 102.72%
Peer Median: 58.72%
#62 of 2508 Top 2.4% in <100M tier
83
Total Assets
balance_sheet
Value: $91.38M
Peer Median: $21.86M
#83 of 2508 Top 3.3% in <100M tier
101
Total Deposits
balance_sheet
Value: $76.82M
Peer Median: $18.77M
#101 of 2508 Top 4.0% in <100M tier
370
Efficiency Ratio
profitability
Value: 62.32%
Peer Median: 81.45%
#370 of 2508 Top 14.7% in <100M tier
393
Return on Assets (ROA)
profitability
Value: 1.48%
Peer Median: 0.61%
#393 of 2508 Top 15.6% in <100M tier
528
Fee Income Per Member
profitability
Value: $120.04
Peer Median: $60.42
#528 of 2508 Top 21.0% in <100M tier

Top Weaknesses (2 metrics)

2475
First Mortgage Concentration (%)
balance_sheet
Value: 78.51%
Peer Median: 3.66%
#2475 of 2508 Bottom 1.4% in <100M tier
2192
Share Certificate Concentration (%)
balance_sheet
Value: 33.81%
Peer Median: 12.45%
#2192 of 2508 Bottom 12.6% in <100M tier
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