BlastPoint's Credit Union Scorecard

PACIFIC CASCADE

Charter #14545 · OR

100M-500M

1024 CUs in 100M-500M nationally 16 in OR

PACIFIC CASCADE has 3 strengths but faces 8 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

+ Wallet Share Momentum: Top 50.0% in tier
+ Net Interest Margin 0.51% above tier average
+ Share Certificate Concentration (%): Top 4.9% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.73% below tier average
- Efficiency ratio 16.85% above tier (higher cost structure)
- Member decline: -7.0% YoY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 16 that size in Oregon.
Shares and deposits +4.0% year over year ($123M in shares and deposits).
Membership: 8,766 members, -7.0% vs a year ago.
Delinquency rate 0.54%.
Return on assets 0.14%.
Efficiency ratio 93.58% vs a 76.73% peer average.
Loan-to-share ratio 53.94% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Members	8,766 -7.0% YoY-1.2% QoQ	-6.4K	15,168 -2.6% YoY	51,821 +9.3% YoY	34,678 +6.6% YoY	23%
Assets	$139.9M +3.9% YoY+0.7% QoQ	$-92.1M	$232.0M +0.7% YoY	$850.7M +8.9% YoY	$593.1M +10.2% YoY	25%
Loans	$66.5M -6.9% YoY+0.7% QoQ	$-79.8M	$146.3M +0.2% YoY	$590.7M +10.5% YoY	$418.6M +10.1% YoY	Bottom 14.4% in tier
Deposits	$123.2M +4.0% YoY+0.5% QoQ	$-77.5M	$200.7M +0.2% YoY	$725.1M +8.5% YoY	$504.8M +10.3% 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	0.1% -49.6% YoY-178.6% QoQ	-0.7%	0.9% +12.5% YoY	0.8% +19.1% YoY	1.2% +121.4% YoY	Bottom 5.3% in tier
NIM	4.2% -6.3% YoY+0.1% QoQ	+0.5%	3.7% +4.5% YoY	4.0% +5.3% YoY	3.8% +2.3% YoY	80%
Efficiency Ratio	93.6% +6.6% YoY-0.7% QoQ	+16.9%	76.7% -0.8% YoY	78.0% +0.7% YoY	83.0% -5.3% YoY	Bottom 5.6% in tier
Delinquency Rate	0.5% -25.3% YoY-1.9% QoQ	-0.3	0.9% +6.6% YoY	1.1% +29.8% YoY	1.3% +2.6% YoY	39%
Loan To Share	53.9% -10.5% YoY+0.2% QoQ	-17.6%	71.5% -0.3% YoY	76.6% +0.5% YoY	66.4% -1.4% YoY	16%
AMR	$21,642 +7.5% YoY+1.8% QoQ	$-3K	$25,107 +3.2% YoY	$25,405 +1.6% YoY	$20,028 -0.9% YoY	41%
CD Concentration	5.1% -5.3% YoY-10.8% QoQ	-19.5%	24.6%	16.7%	20.0%	50%
Indirect Auto %	30.4% -36.2% YoY-14.2% QoQ	+16.8%	13.6%	13.6%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#245 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.47%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Concerns (5)

Stagnation Risk

risk

#55 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -7.04%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -6.90%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.54%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Membership Headwinds

decline

#76 of 549 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -7.04%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

Institutional Decline

decline

#44 of 230 • Bottom 50.0% in tier

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

Why This Signature

Total Assets: $139.91M

(Tier: $336.17M, National: $593.11M)

worse than tier avg

Member Growth (YoY): -7.04%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -6.90%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#136 of 476 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 3.93%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 30.38%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -7.04%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank worsening

Efficiency Drag

risk

#160 of 531 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 93.58%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.13% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): -7.04%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank improving

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 1024 peers in tier

Top Strengths (3 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 5.08%

Peer Median: 23.39%

#51 of 1024 Top 4.9% in 100M-500M tier

193

AMR Growth Rate

growth

Value: 7.47%

Peer Median: 3.53%

#193 of 1024 Top 18.8% in 100M-500M tier

204

Net Interest Margin (NIM)

profitability

Value: 4.20%

Peer Median: 3.67%

#204 of 1024 Top 19.8% in 100M-500M tier

Top Weaknesses (10 metrics)

970

Return on Assets (ROA)

profitability

Value: 0.14%

Peer Median: 0.75%

#970 of 1024 Bottom 5.4% in 100M-500M tier

969

Loan Growth Rate

growth

Value: -6.90%

Peer Median: 3.02%

#969 of 1024 Bottom 5.5% in 100M-500M tier

968

Efficiency Ratio

profitability

Value: 93.58%

Peer Median: 77.26%

#968 of 1024 Bottom 5.6% in 100M-500M tier

966

Member Growth Rate

growth

Value: -7.04%

Peer Median: -0.03%

#966 of 1024 Bottom 5.8% in 100M-500M tier

929

Members Per Employee (MPE)

engagement

Value: 219.150

Peer Median: 310.924

#929 of 1024 Bottom 9.4% in 100M-500M tier

877

Total Loans

balance_sheet

Value: $66.47M

Peer Median: $124.04M

#877 of 1024 Bottom 14.5% in 100M-500M tier

870

Indirect Auto Concentration (%)

balance_sheet

Value: 30.38%

Peer Median: 6.15%

#870 of 1024 Bottom 15.1% in 100M-500M tier

863

Loan-to-Share Ratio

balance_sheet

Value: 53.94%

Peer Median: 73.07%

#863 of 1024 Bottom 15.8% in 100M-500M tier

838

Net Charge-Off Rate

risk

Value: 0.71%

Peer Median: 0.34%

#838 of 1024 Bottom 18.3% in 100M-500M tier

787

Total Members

engagement

Value: 8,766

Peer Median: 13,128

#787 of 1024 Bottom 23.2% in 100M-500M tier