BlastPoint's Credit Union Scorecard

PACIFIC CASCADE

Charter #14545 · OR

1077 CUs in 100M-500M nationally 18 in OR

PACIFIC CASCADE has 2 strengths but faces 13 concerns

National Analysis

How does the industry compare?

OR Analysis

How does OR stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.90% above tier average
+ Share Certificate Concentration (%): Top 5.0% in tier

Key Concerns

Areas that may need attention

- Institutional Decline: Bottom 3.4% in tier
- Membership Headwinds: Bottom 3.8% in tier
- Indirect Auto Dependency: Bottom 6.5% in tier
- Stagnation Risk: Bottom 15.7% in tier
- Efficiency Drag: Bottom 17.4% in tier
- ROA 0.51% below tier average
- Efficiency ratio 11.40% above tier (higher cost structure)
- Delinquency rate 0.19% above tier average
- Member decline: -7.6% YoY
- Loan Growth Rate: Bottom 0.6% in tier
- Member Growth Rate: Bottom 5.6% in tier
- Indirect Auto Concentration (%): Bottom 6.4% in tier
- Members Per Employee (MPE): Bottom 9.7% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Members	9,282 -7.6% YoY-1.6% QoQ	-6.3K	15,628 -3.4% YoY	48,799 +9.4% YoY	33,089 +6.1% YoY	25%
Assets	$136.7M +1.5% YoY+1.5% QoQ	$-94.6M	$231.3M -0.0% YoY	$801.2M +7.5% YoY	$547.7M +7.8% YoY	24%
Loans	$68.7M -18.9% YoY-3.8% QoQ	$-79.1M	$147.8M -1.4% YoY	$546.0M +10.9% YoY	$388.7M +8.6% YoY	Bottom 14.5% in tier
Deposits	$120.4M +1.1% YoY+1.6% QoQ	$-79.9M	$200.3M -0.0% YoY	$683.7M +7.5% YoY	$464.6M +9.3% YoY	26%

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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	0.3% +351.9% YoY+3.7% QoQ	-0.5%	0.8% +15.5% YoY	0.7% +15.2% YoY	0.7% +273.4% YoY	18%
NIM	4.5% -3.4% YoY+0.0% QoQ	+0.9%	3.6% +6.9% YoY	3.9% +7.2% YoY	3.7% +5.0% YoY	Top 9.2% in tier
Efficiency Ratio	88.7% +12.2% YoY+1.0% QoQ	+11.4%	77.3% -3.0% YoY	76.2% -3.6% YoY	79.1% -3.3% YoY	Top 12.3% in tier
Delinquency Rate	1.1% -15.0% YoY+46.6% QoQ	+0.2	0.9% +7.6% YoY	0.9% -6.6% YoY	1.2% -0.9% YoY	72%
Loan To Share	57.0% -19.7% YoY-5.4% QoQ	-15.7%	72.7% -1.5% YoY	76.2% +0.8% YoY	68.0% -1.7% YoY	18%
AMR	$20,370 +0.4% YoY+1.2% QoQ	$-4K	$24,363 +2.9% YoY	$25,038 +0.5% YoY	$19,418 +1.3% YoY	38%
CD Concentration	5.6% +72.3% YoY+4.1% QoQ	-18.8%	24.4% +4.2% YoY	16.6% +1.3% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	43.7% -19.4% YoY-8.2% QoQ	+29.8%	14.0% -5.7% YoY	13.9% -0.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Institutional Decline

decline

#28 of 256 • Bottom 3.4% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $136.66M

(Tier: $331.87M, National: $547.69M)

worse than tier avg

Member Growth (YoY): -7.56%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -18.87%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY

Membership Headwinds

decline

#64 of 550 • Bottom 3.8% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -7.56%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#106 of 525 • Bottom 6.5% in tier

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

Why This Signature

Asset Growth (YoY): 1.52%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 43.75%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -7.56%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

Stagnation Risk

risk

#260 of 550 • Bottom 15.7% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -7.56%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -18.87%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 1.05%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Efficiency Drag

risk

#308 of 521 • Bottom 17.4% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 88.68%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.22% points

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

but better than tier avg

Member Growth (YoY): -7.56%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 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 1077 peers in tier

Top Strengths (2 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 5.58%

Peer Avg: -

#55 of 1077 Top 5.0% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.48%

Peer Avg: -

#99 of 1077 Top 9.1% in 100M-500M tier

Top Weaknesses (11 metrics)

1072

Loan Growth Rate

growth

Value: -18.87%

Peer Avg: -

#1072 of 1077 Bottom 0.6% in 100M-500M tier

1018

Member Growth Rate

growth

Value: -7.56%

Peer Avg: -

#1018 of 1077 Bottom 5.6% in 100M-500M tier

1009

Indirect Auto Concentration (%)

balance_sheet

Value: 43.75%

Peer Avg: -

#1009 of 1077 Bottom 6.4% in 100M-500M tier

974

Members Per Employee (MPE)

engagement

Value: 226.390

Peer Avg: -

#974 of 1077 Bottom 9.7% in 100M-500M tier

945

Efficiency Ratio

profitability

Value: 88.68%

Peer Avg: -

#945 of 1077 Bottom 12.3% in 100M-500M tier

921

Total Loans

balance_sheet

Value: $68.66M

Peer Avg: -

#921 of 1077 Bottom 14.6% in 100M-500M tier

888

Loan-to-Share Ratio

balance_sheet

Value: 57.02%

Peer Avg: -

#888 of 1077 Bottom 17.6% in 100M-500M tier

884

Return on Assets (ROA)

profitability

Value: 0.28%

Peer Avg: -

#884 of 1077 Bottom 18.0% in 100M-500M tier

818

Total Assets

balance_sheet

Value: $136.66M

Peer Avg: -

#818 of 1077 Bottom 24.1% in 100M-500M tier

811

Total Members

engagement

Value: 9,282

Peer Avg: -

#811 of 1077 Bottom 24.8% in 100M-500M tier