PACIFIC CASCADE

Charter #14545 | OR

100M-500M (1077 CUs) Micro
18 100M-500M in OR

PACIFIC CASCADE has 3 strengths but faces 13 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 32.8% in tier
  • + 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
 Bottom 24.7% in tier
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
 Bottom 24.0% in tier
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
 26th in tier
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
 Bottom 17.9% in tier
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
 72nd in tier
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
 Bottom 17.5% in tier
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
 38th in tier
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
 50th in tier
Indirect Auto % 43.7%
-19.4% YoY-8.2% QoQ
 +29.8% 14.0%
-5.8% YoY
 13.9%
-0.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (1)

Emerging Performer

growth
#615 of 627 • Top 32.8% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.28%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -7.56%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

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: $231.30M, 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: 3.64%, 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: 13.96%, 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 is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.28%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -7.56%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $20.4K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 5.58%
(Tier: 24.41%, National: 19.60%)
but better 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)

Comparing against 1077 peers in tier

Top Strengths (2 metrics)

55
Share Certificate Concentration (%)
balance_sheet
Value: 5.58%
Peer Avg: 23.61%
#55 of 1077 Top 5.0% in 100M-500M tier
99
Net Interest Margin (NIM)
profitability
Value: 4.48%
Peer Avg: 3.58%
#99 of 1077 Top 9.1% in 100M-500M tier

Top Weaknesses (11 metrics)

1072
Loan Growth Rate
growth
Value: -18.87%
Peer Avg: 3.45%
#1072 of 1077 Bottom 0.6% in 100M-500M tier
1018
Member Growth Rate
growth
Value: -7.56%
Peer Avg: 0.72%
#1018 of 1077 Bottom 5.6% in 100M-500M tier
1009
Indirect Auto Concentration (%)
balance_sheet
Value: 43.75%
Peer Avg: 13.34%
#1009 of 1077 Bottom 6.4% in 100M-500M tier
974
Members Per Employee (MPE)
engagement
Value: 226.390
Peer Avg: 332.881
#974 of 1077 Bottom 9.7% in 100M-500M tier
945
Efficiency Ratio
profitability
Value: 88.68%
Peer Avg: 77.28%
#945 of 1077 Bottom 12.3% in 100M-500M tier
921
Total Loans
balance_sheet
Value: $68.66M
Peer Avg: $147.80M
#921 of 1077 Bottom 14.6% in 100M-500M tier
888
Loan-to-Share Ratio
balance_sheet
Value: 57.02%
Peer Avg: 72.70%
#888 of 1077 Bottom 17.6% in 100M-500M tier
884
Return on Assets (ROA)
profitability
Value: 0.28%
Peer Avg: 0.79%
#884 of 1077 Bottom 18.0% in 100M-500M tier
818
Total Assets
balance_sheet
Value: $136.66M
Peer Avg: $231.30M
#818 of 1077 Bottom 24.1% in 100M-500M tier
811
Total Members
engagement
Value: 9,282
Peer Avg: 15,628
#811 of 1077 Bottom 24.8% in 100M-500M tier