BlastPoint's Credit Union Scorecard

NORTHWEST ADVENTIST

Charter #14786 · OR

<100M

2508 CUs in <100M nationally 17 in OR

NORTHWEST ADVENTIST has 2 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 0.52% above tier average
+ Net Interest Margin 1.07% above tier average

Key Concerns

Areas that may need attention

- First Mortgage Concentration (%): Bottom 8.1% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Members	3,155 0% YoY-0.3% QoQ	+478	2,676 +1.6% YoY	51,194 +9.2% YoY	33,913 +5.7% YoY	70%
Assets	$34.7M -5.2% YoY-6.6% QoQ	+$4.5M	$30.2M +1.3% YoY	$843.4M +7.6% YoY	$578.3M +9.0% YoY	64%
Loans	$24.9M -1.6% YoY-3.9% QoQ	+$9.6M	$15.3M -2.0% YoY	$578.4M +10.5% YoY	$402.4M +8.7% YoY	78%
Deposits	$29.5M -5.2% YoY-7.6% QoQ	+$3.7M	$25.8M +0.7% YoY	$722.8M +7.3% YoY	$494.3M +9.1% YoY	64%

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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	0.7% -54.5% YoY-47.1% QoQ	+0.5%	0.1% -77.6% YoY	0.7% -4.2% YoY	0.4% -39.2% YoY	52%
NIM	5.1% +24.7% YoY+20.1% QoQ	+1.1%	4.0% +4.0% YoY	4.0% +4.4% YoY	3.8% +4.1% YoY	Top 10.4% in tier
Efficiency Ratio	86.1% +29.6% YoY+22.0% QoQ	-4.5%	90.6% +6.5% YoY	77.9% +0.7% YoY	84.6% +2.8% YoY	61%
Delinquency Rate	0.7% +70.6% YoY-29.2% QoQ	-0.8	1.5% +3.8% YoY	1.1% +40.5% YoY	1.2% +3.4% YoY	51%
Loan To Share	84.6% +3.8% YoY+4.0% QoQ	+26.1%	58.5% -3.0% YoY	75.8% +1.2% YoY	65.6% -1.4% YoY	Top 13.3% in tier
AMR	$17,239 -3.6% YoY-5.7% QoQ	+$2K	$14,884 -1.7% YoY	$25,270 +0.9% YoY	$19,920 +1.6% YoY	66%
CD Concentration	17.7% +5.6% YoY+8.2% QoQ	-6.6%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

253

Net Charge-Off Rate

risk

Value: -0.09%

Peer Median: 0.07%

#253 of 2508 Top 10.0% in <100M tier

262

Net Interest Margin (NIM)

profitability

Value: 5.08%

Peer Median: 3.83%

#262 of 2508 Top 10.4% in <100M tier

331

Loan-to-Share Ratio

balance_sheet

Value: 84.57%

Peer Median: 58.72%

#331 of 2508 Top 13.2% in <100M tier

455

Loan-to-Member Ratio (LMR)

engagement

Value: $7,899

Peer Median: $4,923

#455 of 2508 Top 18.1% in <100M tier

565

Total Loans

balance_sheet

Value: $24.92M

Peer Median: $9.48M

#565 of 2508 Top 22.5% in <100M tier

Top Weaknesses (4 metrics)

2307

First Mortgage Concentration (%)

balance_sheet

Value: 50.72%

Peer Median: 3.66%

#2307 of 2508 Bottom 8.1% in <100M tier

2171

Asset Growth Rate

growth

Value: -5.18%

Peer Median: 1.30%

#2171 of 2508 Bottom 13.5% in <100M tier

2078

Deposit Growth Rate

growth

Value: -5.20%

Peer Median: 0.66%

#2078 of 2508 Bottom 17.2% in <100M tier

1949

AMR Growth Rate

growth

Value: -3.58%

Peer Median: 1.27%

#1949 of 2508 Bottom 22.3% in <100M tier