BlastPoint's Credit Union Scorecard

NORTHWEST ADVENTIST

Charter #14786 · OR

2556 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 0.63% above tier average
+ Net Interest Margin 0.27% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

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

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Members	3,163 +0.7% YoY-0.8% QoQ	+547	2,615 -1.9% YoY	49,474 +8.2% YoY	33,374 +5.7% YoY	69%
Assets	$37.1M -0.1% YoY+5.1% QoQ	+$7.0M	$30.1M +2.1% YoY	$800.8M +6.1% YoY	$561.6M +9.7% YoY	66%
Loans	$25.9M -0.4% YoY+0.1% QoQ	+$10.2M	$15.8M -1.3% YoY	$554.3M +9.3% YoY	$397.0M +8.8% YoY	78%
Deposits	$31.9M -0.2% YoY+6.5% QoQ	+$6.2M	$25.7M +1.4% YoY	$686.9M +6.2% YoY	$477.3M +9.7% YoY	67%

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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	1.3% -15.2% YoY-10.0% QoQ	+0.6%	0.6% +10.8% YoY	0.6% +1.0% YoY	0.7% +15.9% YoY	76%
NIM	4.2% +3.4% YoY-2.0% QoQ	+0.3%	4.0% +4.0% YoY	3.9% +7.3% YoY	3.8% +5.1% YoY	64%
Efficiency Ratio	70.6% +5.3% YoY+3.2% QoQ	-12.0%	82.6% -2.3% YoY	79.6% -0.7% YoY	79.7% -3.3% YoY	28%
Delinquency Rate	0.9% +56.3% YoY+133.1% QoQ	-0.6	1.6% -3.1% YoY	1.1% +23.3% YoY	1.3% -2.1% YoY	57%
Loan To Share	81.3% -0.2% YoY-6.0% QoQ	+20.7%	60.6% -3.1% YoY	76.3% +0.6% YoY	67.4% -1.7% YoY	80%
AMR	$18,288 -1.0% YoY+4.4% QoQ	+$4K	$14,783 -1.4% YoY	$24,960 +0.4% YoY	$19,687 +2.0% YoY	71%
CD Concentration	16.4% +3.0% YoY-4.8% QoQ	-8.1%	24.4%	16.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	13.7%	7.8%	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 2556 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.0% in <100M tier

429

Loan-to-Member Ratio (LMR)

engagement

Value: $8,202

Peer Median: -

#429 of 2556 Top 16.7% in <100M tier

512

Loan-to-Share Ratio

balance_sheet

Value: 81.32%

Peer Median: -

#512 of 2556 Top 20.0% in <100M tier

564

Total Loans

balance_sheet

Value: $25.94M

Peer Median: -

#564 of 2556 Top 22.0% in <100M tier

606

Return on Assets (ROA)

profitability

Value: 1.25%

Peer Median: -

#606 of 2556 Top 23.7% in <100M tier

Top Weaknesses (1 metrics)

2351

First Mortgage Concentration (%)

balance_sheet

Value: 49.65%

Peer Median: -

#2351 of 2556 Bottom 8.1% in <100M tier