BlastPoint's Credit Union Scorecard

PACIFIC CASCADE

Charter #14545 · OR

100M-500M

1070 CUs in 100M-500M nationally 17 in OR

PACIFIC CASCADE has 2 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

+ Net Interest Margin 0.56% above tier average
+ Share Certificate Concentration (%): Top 5.2% 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 0.90% below tier average
- Efficiency ratio 16.23% above tier (higher cost structure)
- Member decline: -7.3% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Members	8,871 -7.3% YoY-2.5% QoQ	-6.3K	15,145 -2.5% YoY	51,194 +9.2% YoY	33,913 +5.7% YoY	24%
Assets	$138.9M +2.0% YoY+1.6% QoQ	$-92.8M	$231.7M +0.8% YoY	$843.4M +7.6% YoY	$578.3M +9.0% YoY	25%
Loans	$66.0M -12.0% YoY-0.0% QoQ	$-78.2M	$144.1M +0.2% YoY	$578.4M +10.5% YoY	$402.4M +8.7% YoY	Bottom 14.2% in tier
Deposits	$122.6M +2.4% YoY+1.8% QoQ	$-78.5M	$201.1M +0.4% YoY	$722.8M +7.3% YoY	$494.3M +9.1% YoY	26%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	-0.2% -162.1% YoY-213.1% QoQ	-0.9%	0.7% +5.1% YoY	0.7% -4.2% YoY	0.4% -39.2% YoY	Bottom 5.1% in tier
NIM	4.2% -6.3% YoY-5.1% QoQ	+0.6%	3.6% +4.6% YoY	4.0% +4.4% YoY	3.8% +4.1% YoY	82%
Efficiency Ratio	94.2% +8.8% YoY+4.8% QoQ	+16.2%	78.0% -1.7% YoY	77.9% +0.7% YoY	84.6% +2.8% YoY	Bottom 7.0% in tier
Delinquency Rate	0.5% -28.5% YoY-46.4% QoQ	-0.2	0.8% +7.1% YoY	1.1% +40.5% YoY	1.2% +3.4% YoY	45%
Loan To Share	53.8% -14.1% YoY-1.8% QoQ	-16.6%	70.4% -0.4% YoY	75.8% +1.2% YoY	65.6% -1.4% YoY	16%
AMR	$21,258 +4.5% YoY+3.8% QoQ	$-4K	$24,918 +2.7% YoY	$25,270 +0.9% YoY	$19,920 +1.6% YoY	40%
CD Concentration	5.7% +24.5% YoY-0.5% QoQ	-18.6%	24.3%	16.7%	19.8%	50%
Indirect Auto %	35.4% -30.1% YoY-12.5% QoQ	+21.6%	13.8%	13.7%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Stagnation Risk

risk

#32 of 570 • 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): -7.28%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -12.00%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.55%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#69 of 570 • 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): -7.28%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#31 of 250 • 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: $138.92M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -7.28%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -12.00%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Indirect Auto Dependency

risk

#156 of 504 • 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): 2.04%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 35.41%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -7.28%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Efficiency Drag

risk

#364 of 596 • 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: 94.25%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.45% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -7.28%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 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 1070 peers in tier

Top Strengths (2 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 5.69%

Peer Median: 23.10%

#57 of 1070 Top 5.2% in 100M-500M tier

193

Net Interest Margin (NIM)

profitability

Value: 4.19%

Peer Median: 3.62%

#193 of 1070 Top 17.9% in 100M-500M tier

Top Weaknesses (10 metrics)

1059

Loan Growth Rate

growth

Value: -12.00%

Peer Median: 2.93%

#1059 of 1070 Bottom 1.1% in 100M-500M tier

1015

Return on Assets (ROA)

profitability

Value: -0.17%

Peer Median: 0.69%

#1015 of 1070 Bottom 5.2% in 100M-500M tier

1010

Member Growth Rate

growth

Value: -7.28%

Peer Median: -0.06%

#1010 of 1070 Bottom 5.7% in 100M-500M tier

996

Efficiency Ratio

profitability

Value: 94.25%

Peer Median: 78.68%

#996 of 1070 Bottom 7.0% in 100M-500M tier

970

Members Per Employee (MPE)

engagement

Value: 221.775

Peer Median: 309.176

#970 of 1070 Bottom 9.4% in 100M-500M tier

956

Indirect Auto Concentration (%)

balance_sheet

Value: 35.41%

Peer Median: 6.61%

#956 of 1070 Bottom 10.7% in 100M-500M tier

918

Total Loans

balance_sheet

Value: $65.98M

Peer Median: $121.41M

#918 of 1070 Bottom 14.3% in 100M-500M tier

898

Loan-to-Share Ratio

balance_sheet

Value: 53.82%

Peer Median: 71.88%

#898 of 1070 Bottom 16.2% in 100M-500M tier

835

Net Charge-Off Rate

risk

Value: 0.70%

Peer Median: 0.35%

#835 of 1070 Bottom 22.1% in 100M-500M tier

818

Total Members

engagement

Value: 8,871

Peer Median: 13,200

#818 of 1070 Bottom 23.6% in 100M-500M tier