BlastPoint's Credit Union Scorecard
PACIFIC CASCADE
Charter #14545 · OR
PACIFIC CASCADE has 2 strengths but faces 14 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.82% above tier average
- + Share Certificate Concentration (%): Top 5.4% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 2.0% in tier
- - Membership Headwinds: Bottom 12.1% in tier
- - Institutional Decline: Bottom 14.6% in tier
- - Indirect Auto Dependency: Bottom 17.4% in tier
- - Credit Quality Pressure: Bottom 36.6% in tier
- - Efficiency Drag: Bottom 75.4% in tier
- - ROA 0.61% below tier average
- - Efficiency ratio 12.91% above tier (higher cost structure)
- - Delinquency rate 0.13% above tier average
- - Member decline: -7.5% YoY
- - Loan Growth Rate: Bottom 0.3% in tier
- - Member Growth Rate: Bottom 5.6% in tier
- - Indirect Auto Concentration (%): Bottom 7.7% in tier
- - Members Per Employee (MPE): Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,099
-7.5% YoY-2.0% QoQ
|
-6.3K |
15,437
-2.9% YoY
|
49,474
+8.2% YoY
|
33,374
+5.7% YoY
|
24% |
| Assets |
$136.7M
+3.6% YoY+0.1% QoQ
|
$-95.1M |
$231.9M
+1.3% YoY
|
$800.8M
+6.1% YoY
|
$561.6M
+9.7% YoY
|
24% |
| Loans |
$66.0M
-17.8% YoY-3.9% QoQ
|
$-81.4M |
$147.3M
-0.1% YoY
|
$554.3M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
Bottom 13.5% in tier |
| Deposits |
$120.4M
+3.9% YoY-0.0% QoQ
|
$-80.4M |
$200.8M
+0.8% YoY
|
$686.9M
+6.2% YoY
|
$477.3M
+9.7% YoY
|
26% |
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| ROA |
0.2%
-80.5% YoY-45.3% QoQ
|
-0.6% |
0.8%
+18.2% YoY
|
0.6%
+1.0% YoY
|
0.7%
+15.9% YoY
|
Bottom 10.8% in tier |
| NIM |
4.4%
-5.7% YoY-1.3% QoQ
|
+0.8% |
3.6%
+6.7% YoY
|
3.9%
+7.3% YoY
|
3.8%
+5.1% YoY
|
Top 11.3% in tier |
| Efficiency Ratio |
89.9%
+28.9% YoY+1.4% QoQ
|
+12.9% |
77.0%
-3.1% YoY
|
79.6%
-0.7% YoY
|
79.7%
-3.3% YoY
|
Top 10.1% in tier |
| Delinquency Rate |
1.0%
+39.7% YoY-3.0% QoQ
|
+0.1 |
0.9%
+4.2% YoY
|
1.1%
+23.3% YoY
|
1.3%
-2.1% YoY
|
70% |
| Loan To Share |
54.8%
-20.9% YoY-3.9% QoQ
|
-17.4% |
72.2%
-1.1% YoY
|
76.3%
+0.6% YoY
|
67.4%
-1.7% YoY
|
Bottom 15.0% in tier |
| AMR |
$20,484
+2.8% YoY+0.6% QoQ
|
$-4K |
$24,676
+3.4% YoY
|
$24,960
+0.4% YoY
|
$19,687
+2.0% YoY
|
36% |
| CD Concentration |
5.7%
+48.3% YoY+2.7% QoQ
|
-18.7% | 24.4% | 16.6% | 19.8% | 50% |
| Indirect Auto % |
40.5%
-22.3% YoY-7.5% QoQ
|
+26.7% | 13.8% | 13.7% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (6)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)