BlastPoint's Credit Union Scorecard
MACHINISTS - BOILERMAKERS
Charter #14708 · OR
MACHINISTS - BOILERMAKERS has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.86% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.18% below tier average
- - Efficiency ratio 10.69% above tier (higher cost structure)
- - Delinquency rate 1.30% above tier average
- - Member decline: -7.9% YoY
- - Asset Growth Rate: Bottom 6.9% in tier
- - Member Growth Rate: Bottom 8.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
481
-7.9% YoY-1.8% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
49,474
+8.2% YoY
|
33,374
+5.7% YoY
|
Bottom 13.0% in tier |
| Assets |
$3.8M
-8.4% YoY-5.2% QoQ
|
$-26.4M |
$30.1M
+2.1% YoY
|
$800.8M
+6.1% YoY
|
$561.6M
+9.7% YoY
|
15% |
| Loans |
$3.0M
-5.2% YoY-1.7% QoQ
|
$-12.8M |
$15.8M
-1.3% YoY
|
$554.3M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
24% |
| Deposits |
$3.4M
-7.7% YoY-5.2% QoQ
|
$-22.3M |
$25.7M
+1.4% YoY
|
$686.9M
+6.2% YoY
|
$477.3M
+9.7% YoY
|
17% |
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| ROA |
0.4%
-197.4% YoY+42.9% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.6%
+1.0% YoY
|
0.7%
+15.9% YoY
|
36% |
| NIM |
5.8%
+10.0% YoY+3.1% QoQ
|
+1.9% |
4.0%
+4.0% YoY
|
3.9%
+7.3% YoY
|
3.8%
+5.1% YoY
|
Top 4.9% in tier |
| Efficiency Ratio |
93.2%
-1.8% YoY-1.9% QoQ
|
+10.7% |
82.6%
-2.3% YoY
|
79.6%
-0.7% YoY
|
79.7%
-3.3% YoY
|
81% |
| Delinquency Rate |
2.9%
+756.8% YoY+499.7% QoQ
|
+1.3 |
1.6%
-3.1% YoY
|
1.1%
+23.3% YoY
|
1.3%
-2.1% YoY
|
Top 13.8% in tier |
| Loan To Share |
88.5%
+2.7% YoY+3.7% QoQ
|
+27.9% |
60.6%
-3.1% YoY
|
76.3%
+0.6% YoY
|
67.4%
-1.7% YoY
|
Top 11.7% in tier |
| AMR |
$13,301
+1.5% YoY-1.8% QoQ
|
$-1K |
$14,783
-1.4% YoY
|
$24,960
+0.4% YoY
|
$19,687
+2.0% YoY
|
47% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 16.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 13.7% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)