BlastPoint's Credit Union Scorecard
MACHINISTS - BOILERMAKERS
Charter #14708 · OR
MACHINISTS - BOILERMAKERS has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.70% 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 0.37% below tier average
- - Efficiency ratio 13.70% above tier (higher cost structure)
- - Member decline: -9.1% YoY
- - Member Growth Rate: Bottom 6.9% in tier
- - Asset Growth Rate: Bottom 10.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
490
-9.1% YoY-1.2% QoQ
|
-2.1K |
2,625
-2.2% YoY
|
48,799
+9.4% YoY
|
33,089
+6.1% YoY
|
Bottom 13.5% in tier |
| Assets |
$4.0M
-6.8% YoY-0.0% QoQ
|
$-25.9M |
$29.9M
+1.1% YoY
|
$801.2M
+7.5% YoY
|
$547.7M
+7.8% YoY
|
16% |
| Loans |
$3.1M
-7.0% YoY-1.0% QoQ
|
$-12.7M |
$15.8M
-2.4% YoY
|
$546.0M
+10.9% YoY
|
$388.7M
+8.6% YoY
|
24% |
| Deposits |
$3.6M
-6.6% YoY-0.3% QoQ
|
$-21.9M |
$25.5M
+0.4% YoY
|
$683.7M
+7.5% YoY
|
$464.6M
+9.3% YoY
|
18% |
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| ROA |
0.3%
-281.5% YoY+7.5% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
0.7%
+15.2% YoY
|
0.7%
+273.4% YoY
|
28% |
| NIM |
5.6%
+8.9% YoY+2.4% QoQ
|
+1.7% |
3.9%
+3.8% YoY
|
3.9%
+7.2% YoY
|
3.7%
+5.0% YoY
|
Top 6.2% in tier |
| Efficiency Ratio |
95.1%
-0.8% YoY-0.3% QoQ
|
+13.7% |
81.4%
-2.4% YoY
|
76.2%
-3.6% YoY
|
79.1%
-3.3% YoY
|
84% |
| Delinquency Rate |
0.5%
+718.5% YoY-35.3% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
0.9%
-6.6% YoY
|
1.2%
-0.9% YoY
|
41% |
| Loan To Share |
85.3%
-0.5% YoY-0.8% QoQ
|
+24.1% |
61.2%
-3.0% YoY
|
76.2%
+0.8% YoY
|
68.0%
-1.7% YoY
|
84% |
| AMR |
$13,547
+2.5% YoY+0.6% QoQ
|
$-1K |
$14,627
-2.7% YoY
|
$25,038
+0.5% YoY
|
$19,418
+1.3% YoY
|
49% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
16.6%
+1.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
13.9%
-0.5% YoY
|
7.9%
-2.9% YoY
|
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)