MACHINISTS - BOILERMAKERS
Charter #14708 | OR
<100M
(2596 CUs)
Micro
($0-$500M)
17 <100M in 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
|
Bottom 16.2% in tier |
| 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
|
Bottom 24.2% in tier |
| 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
|
Bottom 18.0% in tier |
| 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
|
28th in tier |
| 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
|
Top 15.9% in tier |
| 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
|
41st in tier |
| 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
|
Top 16.2% in tier |
| 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
|
49th in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
16.6%
+1.3% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
13.9%
-0.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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 (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
160
Net Interest Margin (NIM)
profitability
Value:
5.64%
Peer Avg: 3.93%
#160 of 2596
Top 6.1% in <100M tier
416
Loan-to-Share Ratio
balance_sheet
Value:
85.33%
Peer Avg: 61.23%
#416 of 2596
Top 16.0% in <100M tier
Top Weaknesses (10 metrics)
2418
Member Growth Rate
growth
Value:
-9.09%
Peer Avg: 14.92%
#2418 of 2596
Bottom 6.9% in <100M tier
2338
Asset Growth Rate
growth
Value:
-6.79%
Peer Avg: 1.82%
#2338 of 2596
Bottom 10.0% in <100M tier
2265
Deposit Growth Rate
growth
Value:
-6.58%
Peer Avg: 16.80%
#2265 of 2596
Bottom 12.8% in <100M tier
2245
Total Members
engagement
Value:
490
Peer Avg: 2,626
#2245 of 2596
Bottom 13.6% in <100M tier
2183
Efficiency Ratio
profitability
Value:
95.10%
Peer Avg: 81.39%
#2183 of 2596
Bottom 15.9% in <100M tier
2176
Total Assets
balance_sheet
Value:
$3.97M
Peer Avg: $29.86M
#2176 of 2596
Bottom 16.2% in <100M tier
2128
Total Deposits
balance_sheet
Value:
$3.58M
Peer Avg: $25.45M
#2128 of 2596
Bottom 18.1% in <100M tier
1980
Net Worth Ratio
risk
Value:
10.82%
Peer Avg: 16.43%
#1980 of 2596
Bottom 23.8% in <100M tier
1967
Total Loans
balance_sheet
Value:
$3.06M
Peer Avg: $15.77M
#1967 of 2596
Bottom 24.3% in <100M tier
1953
Members Per Employee (MPE)
engagement
Value:
245.000
Peer Avg: 365.701
#1953 of 2596
Bottom 24.8% in <100M tier