BlastPoint's Credit Union Scorecard
OPC
Charter #20951 · OR
OPC has 7 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.85% 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
- + Loan-to-Share Ratio: Top 2.9% in tier
- + Efficiency Ratio: Top 4.8% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Total Members: Bottom 8.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
312
+2.0% YoY+0.6% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
49,474
+8.2% YoY
|
33,374
+5.7% YoY
|
Bottom 8.1% in tier |
| Assets |
$2.8M
-0.7% YoY+0.8% QoQ
|
$-27.4M |
$30.1M
+2.1% YoY
|
$800.8M
+6.1% YoY
|
$561.6M
+9.7% YoY
|
Bottom 11.9% in tier |
| Loans |
$2.4M
-1.3% YoY-0.4% QoQ
|
$-13.4M |
$15.8M
-1.3% YoY
|
$554.3M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
20% |
| Deposits |
$2.3M
-0.8% YoY-0.2% QoQ
|
$-23.4M |
$25.7M
+1.4% YoY
|
$686.9M
+6.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 12.6% in tier |
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| ROA |
1.5%
+1356.2% YoY+19.7% QoQ
|
+0.9% |
0.6%
+10.8% YoY
|
0.6%
+1.0% YoY
|
0.7%
+15.9% YoY
|
83% |
| NIM |
3.0%
+106.5% YoY+8.1% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.9%
+7.3% YoY
|
3.8%
+5.1% YoY
|
18% |
| Efficiency Ratio |
50.9%
-45.4% YoY-8.6% QoQ
|
-31.7% |
82.6%
-2.3% YoY
|
79.6%
-0.7% YoY
|
79.7%
-3.3% YoY
|
Bottom 4.8% in tier |
| Delinquency Rate |
1.2%
+1631.8% YoY-55.0% QoQ
|
-0.3 |
1.6%
-3.1% YoY
|
1.1%
+23.3% YoY
|
1.3%
-2.1% YoY
|
66% |
| Loan To Share |
103.7%
-0.5% YoY-0.2% QoQ
|
+43.1% |
60.6%
-3.1% YoY
|
76.3%
+0.6% YoY
|
67.4%
-1.7% YoY
|
Top 3.1% in tier |
| AMR |
$15,023
-3.0% YoY-1.0% QoQ
|
+$241 |
$14,783
-1.4% YoY
|
$24,960
+0.4% YoY
|
$19,687
+2.0% YoY
|
57% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 16.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 13.7% | 7.8% | 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)