UMATILLA COUNTY
Charter #23986 | OR
<100M
(2596 CUs)
Micro
($0-$500M)
17 <100M in 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
|
59th in tier |
| 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
|
Top 23.2% in tier |
| 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
|
Top 17.1% in tier |
| 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
|
Top 24.2% in tier |
| 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
|
50th in tier |
| 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
|
33rd in tier |
| Delinquency Rate |
0.5%
+73.4% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
0.9%
-6.6% YoY
|
1.2%
-0.9% YoY
|
42nd in tier |
| 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
|
73rd in tier |
| 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
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
13.9%
-0.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
101
Loan-to-Member Ratio (LMR)
engagement
Value:
$12,646
Peer Avg: $5,488
#101 of 2596
Top 3.9% in <100M tier
121
Average Member Relationship (AMR)
engagement
Value:
$29,073
Peer Avg: $14,627
#121 of 2596
Top 4.6% in <100M tier
168
Member Growth Rate
growth
Value:
5.44%
Peer Avg: 14.92%
#168 of 2596
Top 6.4% in <100M tier
180
Members Per Employee (MPE)
engagement
Value:
615.000
Peer Avg: 365.701
#180 of 2596
Top 6.9% in <100M tier
443
Total Loans
balance_sheet
Value:
$31.11M
Peer Avg: $15.77M
#443 of 2596
Top 17.0% in <100M tier
601
Total Assets
balance_sheet
Value:
$49.18M
Peer Avg: $29.86M
#601 of 2596
Top 23.1% in <100M tier
603
Loan Growth Rate
growth
Value:
4.10%
Peer Avg: 59.01%
#603 of 2596
Top 23.2% in <100M tier
628
Total Deposits
balance_sheet
Value:
$40.41M
Peer Avg: $25.45M
#628 of 2596
Top 24.2% in <100M tier
Top Weaknesses (4 metrics)
2371
Fee Income Per Member
profitability
Value:
$1.49
Peer Avg: $182.96
#2371 of 2596
Bottom 8.7% in <100M tier
2218
Net Interest Margin (NIM)
profitability
Value:
2.88%
Peer Avg: 3.93%
#2218 of 2596
Bottom 14.6% in <100M tier
2172
AMR Growth Rate
growth
Value:
-5.41%
Peer Avg: 4.67%
#2172 of 2596
Bottom 16.4% in <100M tier
1952
Deposit Growth Rate
growth
Value:
-3.37%
Peer Avg: 16.80%
#1952 of 2596
Bottom 24.8% in <100M tier