BlastPoint's Credit Union Scorecard
INROADS
Charter #2730 · OR
INROADS has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Net Interest Margin 0.08% above tier average
- + Loan-to-Member Ratio (LMR): Top 9.1% in tier
- + Average Member Relationship (AMR): Top 10.0% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - ROA 1.33% below tier average
- - Efficiency ratio 15.75% above tier (higher cost structure)
- - Delinquency rate 0.33% above tier average
- - Member decline: -3.4% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
15,962
-3.4% YoY-1.3% QoQ
|
+816 |
15,145
-2.5% YoY
|
51,194
+9.2% YoY
|
33,913
+5.7% YoY
|
62% |
| Assets |
$334.8M
-4.4% YoY+1.6% QoQ
|
+$103.1M |
$231.7M
+0.8% YoY
|
$843.4M
+7.6% YoY
|
$578.3M
+9.0% YoY
|
78% |
| Loans |
$251.2M
-4.9% YoY-1.3% QoQ
|
+$107.0M |
$144.1M
+0.2% YoY
|
$578.4M
+10.5% YoY
|
$402.4M
+8.7% YoY
|
Top 12.4% in tier |
| Deposits |
$307.9M
+1.0% YoY+2.1% QoQ
|
+$106.7M |
$201.1M
+0.4% YoY
|
$722.8M
+7.3% YoY
|
$494.3M
+9.1% YoY
|
82% |
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| ROA |
-0.6%
+30.8% YoY+165.8% QoQ
|
-1.3% |
0.7%
+5.1% YoY
|
0.7%
-4.2% YoY
|
0.4%
-39.2% YoY
|
Bottom 2.2% in tier |
| NIM |
3.7%
+6.9% YoY-1.4% QoQ
|
+0.1% |
3.6%
+4.6% YoY
|
4.0%
+4.4% YoY
|
3.8%
+4.1% YoY
|
57% |
| Efficiency Ratio |
93.8%
-12.1% YoY-2.5% QoQ
|
+15.7% |
78.0%
-1.7% YoY
|
77.9%
+0.7% YoY
|
84.6%
+2.8% YoY
|
Bottom 8.0% in tier |
| Delinquency Rate |
1.1%
-32.3% YoY-5.3% QoQ
|
+0.3 |
0.8%
+7.1% YoY
|
1.1%
+40.5% YoY
|
1.2%
+3.4% YoY
|
80% |
| Loan To Share |
81.6%
-5.9% YoY-3.4% QoQ
|
+11.2% |
70.4%
-0.4% YoY
|
75.8%
+1.2% YoY
|
65.6%
-1.4% YoY
|
72% |
| AMR |
$35,023
+1.8% YoY+1.9% QoQ
|
+$10K |
$24,918
+2.7% YoY
|
$25,270
+0.9% YoY
|
$19,920
+1.6% YoY
|
Top 10.1% in tier |
| CD Concentration |
18.6%
+2.7% YoY+1.8% QoQ
|
-5.7% | 24.3% | 16.7% | 19.8% | 50% |
| Indirect Auto % |
4.9%
-26.8% YoY-12.3% QoQ
|
-8.9% | 13.8% | 13.7% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (4)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)