BlastPoint's Credit Union Scorecard

INROADS

Charter #2730 · OR

100M-500M

1024 CUs in 100M-500M nationally 16 in OR

INROADS has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

OR Analysis

How does OR stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 50.0% in tier
+ Average Member Relationship (AMR): Top 9.2% in tier
+ Loan-to-Member Ratio (LMR): Top 9.2% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- ROA 0.42% below tier average
- Efficiency ratio 19.69% above tier (higher cost structure)
- Delinquency rate 0.27% above tier average
- Member decline: -3.1% YoY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 16 that size in Oregon.
Shares and deposits +4.9% year over year ($313M in shares and deposits).
Membership: 15,770 members, -3.1% vs a year ago.
Delinquency rate 1.15%.
Return on assets 0.44%.
Efficiency ratio 96.42% vs a 76.73% peer average.
Loan-to-share ratio 81.22% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Members	15,770 -3.1% YoY-1.2% QoQ	+601	15,168 -2.6% YoY	51,821 +9.3% YoY	34,678 +6.6% YoY	62%
Assets	$340.0M +2.0% YoY+1.6% QoQ	+$108.0M	$232.0M +0.7% YoY	$850.7M +8.9% YoY	$593.1M +10.2% YoY	80%
Loans	$254.4M -1.9% YoY+1.3% QoQ	+$108.1M	$146.3M +0.2% YoY	$590.7M +10.5% YoY	$418.6M +10.1% YoY	Top 12.3% in tier
Deposits	$313.2M +4.9% YoY+1.7% QoQ	+$112.5M	$200.7M +0.2% YoY	$725.1M +8.5% YoY	$504.8M +10.3% YoY	84%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.4% -232.3% YoY-173.5% QoQ	-0.4%	0.9% +12.5% YoY	0.8% +19.1% YoY	1.2% +121.4% YoY	24%
NIM	3.7% +2.3% YoY-0.3% QoQ	+0.0%	3.7% +4.5% YoY	4.0% +5.3% YoY	3.8% +2.3% YoY	52%
Efficiency Ratio	96.4% -3.8% YoY+2.8% QoQ	+19.7%	76.7% -0.8% YoY	78.0% +0.7% YoY	83.0% -5.3% YoY	Bottom 3.0% in tier
Delinquency Rate	1.1% -42.0% YoY+4.0% QoQ	+0.3	0.9% +6.6% YoY	1.1% +29.8% YoY	1.3% +2.6% YoY	75%
Loan To Share	81.2% -6.5% YoY-0.4% QoQ	+9.7%	71.5% -0.3% YoY	76.6% +0.5% YoY	66.4% -1.4% YoY	67%
AMR	$35,988 +5.0% YoY+2.8% QoQ	+$11K	$25,107 +3.2% YoY	$25,405 +1.6% YoY	$20,028 -0.9% YoY	Top 9.3% in tier
CD Concentration	19.2% +6.0% YoY+3.4% QoQ	-5.3%	24.6%	16.7%	20.0%	50%
Indirect Auto %	4.3% -42.9% YoY-12.8% QoQ	-9.4%	13.6%	13.6%	7.7%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#138 of 262 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 4.99%

(Tier: 3.97%, National: 35.20%)

better than tier avg

Share Draft per Member: $6.4K

(Tier: $2.9K, National: $2.1K)

better than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | New qualifier

Concerns (4)

Stagnation Risk

risk

#135 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.07%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -1.86%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 1.15%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Efficiency Drag

risk

#217 of 531 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 96.42%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.77% points

(Tier: 0.10% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): -3.07%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

Membership Headwinds

decline

#245 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -3.07%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Institutional Decline

decline

#122 of 230 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $340.00M

(Tier: $336.17M, National: $593.11M)

but better than tier avg

Member Growth (YoY): -3.07%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -1.86%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | Rank improving

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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (6 metrics)

Average Member Relationship (AMR)

engagement

Value: $35,988

Peer Median: $23,006

#95 of 1024 Top 9.2% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,129

Peer Median: $9,434

#95 of 1024 Top 9.2% in 100M-500M tier

126

Total Loans

balance_sheet

Value: $254.36M

Peer Median: $124.04M

#126 of 1024 Top 12.2% in 100M-500M tier

167

Total Deposits

balance_sheet

Value: $313.17M

Peer Median: $170.77M

#167 of 1024 Top 16.2% in 100M-500M tier

204

Total Assets

balance_sheet

Value: $340.00M

Peer Median: $196.38M

#204 of 1024 Top 19.8% in 100M-500M tier

211

Fee Income Per Member

profitability

Value: $219.92

Peer Median: $159.88

#211 of 1024 Top 20.5% in 100M-500M tier

Top Weaknesses (7 metrics)

994

Efficiency Ratio

profitability

Value: 96.42%

Peer Median: 77.26%

#994 of 1024 Bottom 3.0% in 100M-500M tier

986

Net Worth Ratio

risk

Value: 8.12%

Peer Median: 11.71%

#986 of 1024 Bottom 3.8% in 100M-500M tier

972

Members Per Employee (MPE)

engagement

Value: 204.805

Peer Median: 310.924

#972 of 1024 Bottom 5.2% in 100M-500M tier

857

Net Charge-Off Rate

risk

Value: 0.77%

Peer Median: 0.34%

#857 of 1024 Bottom 16.4% in 100M-500M tier

824

Member Growth Rate

growth

Value: -3.07%

Peer Median: -0.03%

#824 of 1024 Bottom 19.6% in 100M-500M tier

801

Loan Growth Rate

growth

Value: -1.86%

Peer Median: 3.02%

#801 of 1024 Bottom 21.9% in 100M-500M tier

781

Return on Assets (ROA)

profitability

Value: 0.44%

Peer Median: 0.75%

#781 of 1024 Bottom 23.8% in 100M-500M tier