BlastPoint's Credit Union Scorecard
MACHINISTS - BOILERMAKERS
Charter #14708 · OR
<100M
2508 CUs in <100M nationally
17 in OR
MACHINISTS - BOILERMAKERS has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.24% above tier average
- + Net Interest Margin 2.16% above tier average
- + Loan-to-Share Ratio: Top 3.2% in tier
- + Net Charge-Off Rate: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 3.90% above tier (higher cost structure)
- - Delinquency rate 3.83% above tier average
- - Member decline: -8.6% YoY
- - Asset Growth Rate: Bottom 1.1% in tier
- - Deposit Growth Rate: Bottom 1.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.6% in tier
- - Member Growth Rate: Bottom 7.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
466
-8.6% YoY-3.1% QoQ
|
-2.2K |
2,676
+1.6% YoY
|
51,194
+9.2% YoY
|
33,913
+5.7% YoY
|
Bottom 12.5% in tier |
| Assets |
$3.3M
-18.8% YoY-11.6% QoQ
|
$-26.9M |
$30.2M
+1.3% YoY
|
$843.4M
+7.6% YoY
|
$578.3M
+9.0% YoY
|
Bottom 13.9% in tier |
| Loans |
$2.9M
-5.6% YoY-2.8% QoQ
|
$-12.4M |
$15.3M
-2.0% YoY
|
$578.4M
+10.5% YoY
|
$402.4M
+8.7% YoY
|
24% |
| Deposits |
$2.9M
-20.8% YoY-13.5% QoQ
|
$-22.8M |
$25.8M
+0.7% YoY
|
$722.8M
+7.3% YoY
|
$494.3M
+9.1% YoY
|
15% |
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| ROA |
0.4%
+119.4% YoY-13.6% QoQ
|
+0.2% |
0.1%
-77.6% YoY
|
0.7%
-4.2% YoY
|
0.4%
-39.2% YoY
|
39% |
| NIM |
6.2%
+14.7% YoY+6.1% QoQ
|
+2.2% |
4.0%
+4.0% YoY
|
4.0%
+4.4% YoY
|
3.8%
+4.1% YoY
|
Top 3.4% in tier |
| Efficiency Ratio |
94.5%
-2.7% YoY+1.4% QoQ
|
+3.9% |
90.6%
+6.5% YoY
|
77.9%
+0.7% YoY
|
84.6%
+2.8% YoY
|
77% |
| Delinquency Rate |
5.3%
+273.0% YoY+86.7% QoQ
|
+3.8 |
1.5%
+3.8% YoY
|
1.1%
+40.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 5.6% in tier |
| Loan To Share |
99.5%
+19.2% YoY+12.5% QoQ
|
+41.0% |
58.5%
-3.0% YoY
|
75.8%
+1.2% YoY
|
65.6%
-1.4% YoY
|
Top 3.3% in tier |
| AMR |
$12,565
-5.8% YoY-5.5% QoQ
|
$-2K |
$14,884
-1.7% YoY
|
$25,270
+0.9% YoY
|
$19,920
+1.6% YoY
|
42% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 16.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 13.7% | 7.7% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
82
Loan-to-Share Ratio
balance_sheet
Value:
99.53%
Peer Median: 58.72%
#82 of 2508
Top 3.2% in <100M tier
86
Net Interest Margin (NIM)
profitability
Value:
6.16%
Peer Median: 3.83%
#86 of 2508
Top 3.4% in <100M tier
227
Net Charge-Off Rate
risk
Value:
-0.12%
Peer Median: 0.07%
#227 of 2508
Top 9.0% in <100M tier
Top Weaknesses (11 metrics)
2481
Asset Growth Rate
growth
Value:
-18.79%
Peer Median: 1.30%
#2481 of 2508
Bottom 1.1% in <100M tier
2475
Deposit Growth Rate
growth
Value:
-20.80%
Peer Median: 0.66%
#2475 of 2508
Bottom 1.4% in <100M tier
2369
Total Delinquency Rate (60+ days)
risk
Value:
5.34%
Peer Median: 0.65%
#2369 of 2508
Bottom 5.6% in <100M tier
2320
Member Growth Rate
growth
Value:
-8.63%
Peer Median: -1.37%
#2320 of 2508
Bottom 7.5% in <100M tier
2194
Total Members
engagement
Value:
466
Peer Median: 1,918
#2194 of 2508
Bottom 12.6% in <100M tier
2160
Total Assets
balance_sheet
Value:
$3.33M
Peer Median: $21.86M
#2160 of 2508
Bottom 13.9% in <100M tier
2145
AMR Growth Rate
growth
Value:
-5.77%
Peer Median: 1.27%
#2145 of 2508
Bottom 14.5% in <100M tier
2127
Total Deposits
balance_sheet
Value:
$2.93M
Peer Median: $18.77M
#2127 of 2508
Bottom 15.2% in <100M tier
1947
Members Per Employee (MPE)
engagement
Value:
233.000
Peer Median: 333.750
#1947 of 2508
Bottom 22.4% in <100M tier
1937
Efficiency Ratio
profitability
Value:
94.54%
Peer Median: 81.45%
#1937 of 2508
Bottom 22.8% in <100M tier