BlastPoint's Credit Union Scorecard
OPC
Charter #20951 · OR
OPC has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.53% above tier average
- + Net Interest Margin 0.79% above tier average
- + Efficiency Ratio: Top 1.1% in tier
- + Loan-to-Share Ratio: Top 3.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.08% above tier average
- - Total Members: Bottom 8.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 18 that size in Oregon.
- Shares and deposits -0.5% year over year ($2.3M in shares and deposits).
- Membership: 314 members, +1.3% vs a year ago.
- Delinquency rate 1.63%.
- Return on assets 3.02%.
- Efficiency ratio 36.32% vs a 88.77% peer average.
- Loan-to-share ratio 97.81% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
314
+1.3% YoY+1.3% QoQ
|
-2.3K |
2,585
-1.7% YoY
|
51,821
+9.3% YoY
|
34,678
+6.6% YoY
|
Bottom 8.2% in tier |
| Assets |
$2.8M
-0.3% YoY-0.7% QoQ
|
$-27.5M |
$30.3M
+1.5% YoY
|
$850.7M
+8.9% YoY
|
$593.1M
+10.2% YoY
|
Bottom 11.7% in tier |
| Loans |
$2.3M
-7.3% YoY+2.4% QoQ
|
$-13.2M |
$15.5M
-1.7% YoY
|
$590.7M
+10.5% YoY
|
$418.6M
+10.1% YoY
|
20% |
| Deposits |
$2.3M
-0.5% YoY-1.7% QoQ
|
$-23.5M |
$25.8M
+1.1% YoY
|
$725.1M
+8.5% YoY
|
$504.8M
+10.3% YoY
|
Bottom 12.5% in tier |
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| ROA |
3.0%
+3032.1% YoY-1.3% QoQ
|
+1.5% |
1.5%
+241.5% YoY
|
0.8%
+19.1% YoY
|
1.2%
+121.4% YoY
|
Top 4.1% in tier |
| NIM |
4.7%
+145.0% YoY+5.4% QoQ
|
+0.8% |
3.9%
+0.9% YoY
|
4.0%
+5.3% YoY
|
3.8%
+2.3% YoY
|
82% |
| Efficiency Ratio |
36.3%
-61.8% YoY+14.9% QoQ
|
-52.4% |
88.8%
-6.9% YoY
|
78.0%
+0.7% YoY
|
83.0%
-5.3% YoY
|
Top 1.1% in tier |
| Delinquency Rate |
1.6%
+17.4% YoY
|
+0.1 |
1.5%
+2.1% YoY
|
1.1%
+29.8% YoY
|
1.3%
+2.6% YoY
|
74% |
| Loan To Share |
97.8%
-6.8% YoY+4.1% QoQ
|
+38.9% |
58.9%
-3.1% YoY
|
76.6%
+0.5% YoY
|
66.4%
-1.4% YoY
|
Top 4.0% in tier |
| AMR |
$14,600
-5.2% YoY-1.0% QoQ
|
$-363 |
$14,963
-6.8% YoY
|
$25,405
+1.6% YoY
|
$20,028
-0.9% YoY
|
53% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 16.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 13.6% | 7.7% | 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)