BlastPoint's Credit Union Scorecard
OPC
Charter #20951 · OR
<100M
2508 CUs in <100M nationally
17 in OR
OPC has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.91% above tier average
- + Net Interest Margin 0.44% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Efficiency Ratio: Top 1.0% in tier
- + Loan-to-Share Ratio: Top 5.6% in tier
Key Concerns
Areas that may need attention
- - Total Members: Bottom 8.3% in tier
- - AMR Growth Rate: Bottom 9.4% in tier
- - Fee Income Per Member: Bottom 10.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
310
0% YoY-0.6% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
51,194
+9.2% YoY
|
33,913
+5.7% YoY
|
Bottom 8.3% in tier |
| Assets |
$2.8M
-2.6% YoY+1.1% QoQ
|
$-27.4M |
$30.2M
+1.3% YoY
|
$843.4M
+7.6% YoY
|
$578.3M
+9.0% YoY
|
Bottom 12.0% in tier |
| Loans |
$2.2M
-13.3% YoY-7.2% QoQ
|
$-13.1M |
$15.3M
-2.0% YoY
|
$578.4M
+10.5% YoY
|
$402.4M
+8.7% YoY
|
19% |
| Deposits |
$2.4M
-3.2% YoY+2.5% QoQ
|
$-23.4M |
$25.8M
+0.7% YoY
|
$722.8M
+7.3% YoY
|
$494.3M
+9.1% YoY
|
Bottom 12.7% in tier |
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| ROA |
3.1%
+6.7% YoY+107.4% QoQ
|
+2.9% |
0.1%
-77.6% YoY
|
0.7%
-4.2% YoY
|
0.4%
-39.2% YoY
|
Top 1.9% in tier |
| NIM |
4.5%
+5.7% YoY+50.3% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
4.0%
+4.4% YoY
|
3.8%
+4.1% YoY
|
75% |
| Efficiency Ratio |
31.6%
-3.0% YoY-37.8% QoQ
|
-59.0% |
90.6%
+6.5% YoY
|
77.9%
+0.7% YoY
|
84.6%
+2.8% YoY
|
Top 1.0% in tier |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-1.5 |
1.5%
+3.8% YoY
|
1.1%
+40.5% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
93.9%
-10.4% YoY-9.5% QoQ
|
+35.4% |
58.5%
-3.0% YoY
|
75.8%
+1.2% YoY
|
65.6%
-1.4% YoY
|
Top 5.7% in tier |
| AMR |
$14,749
-8.4% YoY-1.8% QoQ
|
$-135 |
$14,884
-1.7% YoY
|
$25,270
+0.9% YoY
|
$19,920
+1.6% YoY
|
54% |
| CD Concentration | 0.0% | -24.3% | 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)
Top Strengths (10 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
27
Efficiency Ratio
profitability
Value:
31.62%
Peer Median: 81.45%
#27 of 2508
Top 1.0% in <100M tier
47
Return on Assets (ROA)
profitability
Value:
3.06%
Peer Median: 0.61%
#47 of 2508
Top 1.8% in <100M tier
142
Loan-to-Share Ratio
balance_sheet
Value:
93.92%
Peer Median: 58.72%
#142 of 2508
Top 5.6% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
593
Loan-to-Member Ratio (LMR)
engagement
Value:
$7,143
Peer Median: $4,923
#593 of 2508
Top 23.6% in <100M tier
625
Net Interest Margin (NIM)
profitability
Value:
4.45%
Peer Median: 3.83%
#625 of 2508
Top 24.9% in <100M tier
Top Weaknesses (8 metrics)
2300
Total Members
engagement
Value:
310
Peer Median: 1,918
#2300 of 2508
Bottom 8.3% in <100M tier
2274
AMR Growth Rate
growth
Value:
-8.35%
Peer Median: 1.27%
#2274 of 2508
Bottom 9.4% in <100M tier
2259
Fee Income Per Member
profitability
Value:
$1.82
Peer Median: $60.42
#2259 of 2508
Bottom 10.0% in <100M tier
2206
Total Assets
balance_sheet
Value:
$2.79M
Peer Median: $21.86M
#2206 of 2508
Bottom 12.1% in <100M tier
2189
Total Deposits
balance_sheet
Value:
$2.36M
Peer Median: $18.77M
#2189 of 2508
Bottom 12.8% in <100M tier
2149
Loan Growth Rate
growth
Value:
-13.27%
Peer Median: -2.36%
#2149 of 2508
Bottom 14.4% in <100M tier
2030
Total Loans
balance_sheet
Value:
$2.21M
Peer Median: $9.48M
#2030 of 2508
Bottom 19.1% in <100M tier
1892
Asset Growth Rate
growth
Value:
-2.58%
Peer Median: 1.30%
#1892 of 2508
Bottom 24.6% in <100M tier