BlastPoint's Credit Union Scorecard
UMATILLA COUNTY
Charter #23986 · OR
UMATILLA COUNTY has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 5.9% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 4.0% in tier
- + Average Member Relationship (AMR): Top 5.0% in tier
- + Member Growth Rate: Top 5.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.14% below tier average
- - Fee Income Per Member: Bottom 8.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,424
+5.9% YoY-1.5% QoQ
|
-191 |
2,615
-1.9% YoY
|
49,474
+8.2% YoY
|
33,374
+5.7% YoY
|
59% |
| Assets |
$48.3M
-0.7% YoY-1.8% QoQ
|
+$18.1M |
$30.1M
+2.1% YoY
|
$800.8M
+6.1% YoY
|
$561.6M
+9.7% YoY
|
76% |
| Loans |
$30.5M
+3.6% YoY-1.8% QoQ
|
+$14.8M |
$15.8M
-1.3% YoY
|
$554.3M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
83% |
| Deposits |
$39.4M
-2.0% YoY-2.5% QoQ
|
+$13.7M |
$25.7M
+1.4% YoY
|
$686.9M
+6.2% YoY
|
$477.3M
+9.7% YoY
|
75% |
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| ROA |
0.5%
-51.3% YoY-35.9% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.6%
+1.0% YoY
|
0.7%
+15.9% YoY
|
39% |
| NIM |
2.7%
+12.5% YoY-6.5% QoQ
|
-1.3% |
4.0%
+4.0% YoY
|
3.9%
+7.3% YoY
|
3.8%
+5.1% YoY
|
Bottom 11.3% in tier |
| Efficiency Ratio |
75.3%
+30.5% YoY+6.2% QoQ
|
-7.3% |
82.6%
-2.3% YoY
|
79.6%
-0.7% YoY
|
79.7%
-3.3% YoY
|
38% |
| Delinquency Rate |
0.3%
+30.6% YoY-36.3% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
1.1%
+23.3% YoY
|
1.3%
-2.1% YoY
|
32% |
| Loan To Share |
77.5%
+5.7% YoY+0.7% QoQ
|
+16.9% |
60.6%
-3.1% YoY
|
76.3%
+0.6% YoY
|
67.4%
-1.7% YoY
|
75% |
| AMR |
$28,853
-5.2% YoY-0.8% QoQ
|
+$14K |
$14,783
-1.4% YoY
|
$24,960
+0.4% YoY
|
$19,687
+2.0% YoY
|
Top 5.0% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 16.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 13.7% | 7.8% | 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)