BlastPoint's Credit Union Scorecard

NORTHWEST ADVENTIST

Charter #14786 · OR

2596 CUs in <100M nationally 17 in OR

NORTHWEST ADVENTIST has 3 strengths but faces 1 concern

National Analysis

How does the industry compare?

OR Analysis

How does OR stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.71% above tier average
+ Net Interest Margin 0.38% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- First Mortgage Concentration (%): Bottom 7.5% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Members	3,189 +0.7% YoY+0.2% QoQ	+563	2,625 -2.2% YoY	48,799 +9.4% YoY	33,089 +6.1% YoY	70%
Assets	$35.3M -0.1% YoY-1.0% QoQ	+$5.5M	$29.9M +1.1% YoY	$801.2M +7.5% YoY	$547.7M +7.8% YoY	65%
Loans	$25.9M -1.0% YoY+0.2% QoQ	+$10.2M	$15.8M -2.4% YoY	$546.0M +10.9% YoY	$388.7M +8.6% YoY	78%
Deposits	$29.9M -1.8% YoY-1.7% QoQ	+$4.5M	$25.5M +0.4% YoY	$683.7M +7.5% YoY	$464.6M +9.3% YoY	65%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.4% -4.2% YoY+1.9% QoQ	+0.7%	0.7% -731.4% YoY	0.7% +15.2% YoY	0.7% +273.4% YoY	77%
NIM	4.3% +5.4% YoY+1.1% QoQ	+0.4%	3.9% +3.8% YoY	3.9% +7.2% YoY	3.7% +5.0% YoY	67%
Efficiency Ratio	68.4% +0.3% YoY+0.2% QoQ	-13.0%	81.4% -2.4% YoY	76.2% -3.6% YoY	79.1% -3.3% YoY	28%
Delinquency Rate	0.4% -0.5% YoY+4.1% QoQ	-1.1	1.5% -2.0% YoY	0.9% -6.6% YoY	1.2% -0.9% YoY	37%
Loan To Share	86.6% +0.8% YoY+1.9% QoQ	+25.3%	61.2% -3.0% YoY	76.2% +0.8% YoY	68.0% -1.7% YoY	Top 14.9% in tier
AMR	$17,517 -2.1% YoY-1.0% QoQ	+$3K	$14,627 -2.7% YoY	$25,038 +0.5% YoY	$19,418 +1.3% YoY	69%
CD Concentration	17.2% +8.4% YoY-0.7% QoQ	-7.2%	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)

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)

Compare against:

Comparing against 2596 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 2596 Top 0.0% in <100M tier

382

Loan-to-Share Ratio

balance_sheet

Value: 86.56%

Peer Avg: -

#382 of 2596 Top 14.7% in <100M tier

448

Loan-to-Member Ratio (LMR)

engagement

Value: $8,127

Peer Avg: -

#448 of 2596 Top 17.2% in <100M tier

571

Total Loans

balance_sheet

Value: $25.92M

Peer Avg: -

#571 of 2596 Top 22.0% in <100M tier

598

Return on Assets (ROA)

profitability

Value: 1.39%

Peer Avg: -

#598 of 2596 Top 23.0% in <100M tier

Top Weaknesses (1 metrics)

2403

First Mortgage Concentration (%)

balance_sheet

Value: 50.40%

Peer Avg: -

#2403 of 2596 Bottom 7.5% in <100M tier