BlastPoint's Credit Union Scorecard
UMATILLA COUNTY
Charter #23986 · OR
UMATILLA COUNTY has 8 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.07% above tier average
- + Strong member growth: 5.4% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 3.9% in tier
- + Average Member Relationship (AMR): Top 4.6% in tier
- + Member Growth Rate: Top 6.4% in tier
- + Members Per Employee (MPE): Top 6.9% in tier
Key Concerns
Areas that may need attention
- - Fee Income Per Member: Bottom 8.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,460
+5.4% YoY-5.9% QoQ
|
-165 |
2,625
-2.2% YoY
|
48,799
+9.4% YoY
|
33,089
+6.1% YoY
|
59% |
| Assets |
$49.2M
-1.8% YoY+0.4% QoQ
|
+$19.3M |
$29.9M
+1.1% YoY
|
$801.2M
+7.5% YoY
|
$547.7M
+7.8% YoY
|
77% |
| Loans |
$31.1M
+4.1% YoY+0.5% QoQ
|
+$15.3M |
$15.8M
-2.4% YoY
|
$546.0M
+10.9% YoY
|
$388.7M
+8.6% YoY
|
83% |
| Deposits |
$40.4M
-3.4% YoY+0.3% QoQ
|
+$15.0M |
$25.5M
+0.4% YoY
|
$683.7M
+7.5% YoY
|
$464.6M
+9.3% YoY
|
76% |
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| ROA |
0.8%
+133.0% YoY-36.0% QoQ
|
+0.1% |
0.7%
-731.4% YoY
|
0.7%
+15.2% YoY
|
0.7%
+273.4% YoY
|
50% |
| NIM |
2.9%
+62.8% YoY+4.0% QoQ
|
-1.1% |
3.9%
+3.8% YoY
|
3.9%
+7.2% YoY
|
3.7%
+5.0% YoY
|
Bottom 14.6% in tier |
| Efficiency Ratio |
70.9%
-11.8% YoY+28.9% QoQ
|
-10.5% |
81.4%
-2.4% YoY
|
76.2%
-3.6% YoY
|
79.1%
-3.3% YoY
|
33% |
| Delinquency Rate |
0.5%
+73.4% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
0.9%
-6.6% YoY
|
1.2%
-0.9% YoY
|
42% |
| Loan To Share |
77.0%
+7.7% YoY+0.1% QoQ
|
+15.8% |
61.2%
-3.0% YoY
|
76.2%
+0.8% YoY
|
68.0%
-1.7% YoY
|
73% |
| AMR |
$29,073
-5.4% YoY+6.6% QoQ
|
+$14K |
$14,627
-2.7% YoY
|
$25,038
+0.5% YoY
|
$19,418
+1.3% YoY
|
Top 4.7% in tier |
| 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)