BlastPoint's Credit Union Scorecard
OPC
Charter #20951 · OR
OPC has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.55% 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 2.6% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
- + Efficiency Ratio: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.17% above tier average
- - Total Members: Bottom 8.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
310
-0.3% YoY0% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
48,799
+9.4% YoY
|
33,089
+6.1% YoY
|
Bottom 8.3% in tier |
| Assets |
$2.7M
-2.6% YoY-1.4% QoQ
|
$-27.1M |
$29.9M
+1.1% YoY
|
$801.2M
+7.5% YoY
|
$547.7M
+7.8% YoY
|
Bottom 12.4% in tier |
| Loans |
$2.4M
-3.8% YoY-2.0% QoQ
|
$-13.4M |
$15.8M
-2.4% YoY
|
$546.0M
+10.9% YoY
|
$388.7M
+8.6% YoY
|
20% |
| Deposits |
$2.3M
-3.1% YoY-1.0% QoQ
|
$-23.1M |
$25.5M
+0.4% YoY
|
$683.7M
+7.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 13.0% in tier |
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| ROA |
1.2%
+3.8% YoY+1177.8% QoQ
|
+0.5% |
0.7%
-731.4% YoY
|
0.7%
+15.2% YoY
|
0.7%
+273.4% YoY
|
72% |
| NIM |
2.7%
+4.7% YoY+43.0% QoQ
|
-1.2% |
3.9%
+3.8% YoY
|
3.9%
+7.2% YoY
|
3.7%
+5.0% YoY
|
Bottom 11.5% in tier |
| Efficiency Ratio |
55.6%
+0.1% YoY-41.5% QoQ
|
-25.8% |
81.4%
-2.4% YoY
|
76.2%
-3.6% YoY
|
79.1%
-3.3% YoY
|
Bottom 9.9% in tier |
| Delinquency Rate |
2.7%
+2469.6% YoY+93.2% QoQ
|
+1.2 |
1.5%
-2.0% YoY
|
0.9%
-6.6% YoY
|
1.2%
-0.9% YoY
|
Top 14.1% in tier |
| Loan To Share |
103.9%
-0.6% YoY-1.0% QoQ
|
+42.7% |
61.2%
-3.0% YoY
|
76.2%
+0.8% YoY
|
68.0%
-1.7% YoY
|
Top 2.8% in tier |
| AMR |
$15,171
-3.1% YoY-1.5% QoQ
|
+$544 |
$14,627
-2.7% YoY
|
$25,038
+0.5% YoY
|
$19,418
+1.3% YoY
|
58% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
16.6%
+1.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
13.9%
-0.5% YoY
|
7.9%
-2.9% YoY
|
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)