BlastPoint's Credit Union Scorecard
UMATILLA COUNTY
Charter #23986 · OR
UMATILLA COUNTY has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.30% above tier average
- + Strong member growth: 8.3% YoY
- + Loan-to-Member Ratio (LMR): Top 4.0% in tier
- + Member Growth Rate: Top 4.2% in tier
- + Average Member Relationship (AMR): Top 5.2% in tier
- + Efficiency Ratio: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - AMR Growth Rate: Bottom 8.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,448
+8.3% YoY+1.0% QoQ
|
-228 |
2,676
+1.6% YoY
|
51,194
+9.2% YoY
|
33,913
+5.7% YoY
|
60% |
| Assets |
$48.3M
-1.7% YoY+0.0% QoQ
|
+$18.1M |
$30.2M
+1.3% YoY
|
$843.4M
+7.6% YoY
|
$578.3M
+9.0% YoY
|
76% |
| Loans |
$30.4M
+1.2% YoY-0.3% QoQ
|
+$15.2M |
$15.3M
-2.0% YoY
|
$578.4M
+10.5% YoY
|
$402.4M
+8.7% YoY
|
83% |
| Deposits |
$39.3M
-3.1% YoY-0.3% QoQ
|
+$13.5M |
$25.8M
+0.7% YoY
|
$722.8M
+7.3% YoY
|
$494.3M
+9.1% YoY
|
74% |
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| ROA |
1.4%
+57.9% YoY+198.0% QoQ
|
+1.3% |
0.1%
-77.6% YoY
|
0.7%
-4.2% YoY
|
0.4%
-39.2% YoY
|
84% |
| NIM |
3.2%
+22.5% YoY+20.1% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
4.0%
+4.4% YoY
|
3.8%
+4.1% YoY
|
25% |
| Efficiency Ratio |
55.4%
-8.2% YoY-26.4% QoQ
|
-35.2% |
90.6%
+6.5% YoY
|
77.9%
+0.7% YoY
|
84.6%
+2.8% YoY
|
Top 7.9% in tier |
| Delinquency Rate |
0.0%
-92.7% YoY-92.0% QoQ
|
-1.5 |
1.5%
+3.8% YoY
|
1.1%
+40.5% YoY
|
1.2%
+3.4% YoY
|
15% |
| Loan To Share |
77.5%
+4.4% YoY-0.0% QoQ
|
+19.0% |
58.5%
-3.0% YoY
|
75.8%
+1.2% YoY
|
65.6%
-1.4% YoY
|
79% |
| AMR |
$28,480
-8.9% YoY-1.3% QoQ
|
+$14K |
$14,884
-1.7% YoY
|
$25,270
+0.9% YoY
|
$19,920
+1.6% YoY
|
Top 5.3% in tier |
| 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)
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)