BlastPoint's Credit Union Scorecard
INROADS
Charter #2730 · OR
INROADS has 2 strengths but faces 16 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.16% above tier average
- + Loan-to-Member Ratio (LMR): Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 14.9% in tier
- - Stagnation Risk: Bottom 25.1% in tier
- - Efficiency Drag: Bottom 27.6% in tier
- - Accelerating Exit Risk: Bottom 32.7% in tier
- - Institutional Decline: Bottom 41.0% in tier
- - Shrinking Wallet Share: Bottom 56.5% in tier
- - Membership Headwinds: Bottom 57.9% in tier
- - ROA 0.99% below tier average
- - Efficiency ratio 19.16% above tier (higher cost structure)
- - Delinquency rate 0.27% above tier average
- - Member decline: -2.3% YoY
- - Asset Growth Rate: Bottom 0.9% in tier
- - Members Per Employee (MPE): Bottom 4.3% in tier
- - Deposit Growth Rate: Bottom 5.5% in tier
- - Net Worth Ratio: Bottom 8.6% in tier
- - AMR Growth Rate: Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16,172
-2.3% YoY-0.3% QoQ
|
+734 |
15,437
-2.9% YoY
|
49,474
+8.2% YoY
|
33,374
+5.7% YoY
|
63% |
| Assets |
$329.6M
-8.3% YoY-0.5% QoQ
|
+$97.8M |
$231.9M
+1.3% YoY
|
$800.8M
+6.1% YoY
|
$561.6M
+9.7% YoY
|
78% |
| Loans |
$254.5M
-5.5% YoY-0.3% QoQ
|
+$107.2M |
$147.3M
-0.1% YoY
|
$554.3M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
Top 13.5% in tier |
| Deposits |
$301.5M
-3.5% YoY+0.3% QoQ
|
+$100.7M |
$200.8M
+0.8% YoY
|
$686.9M
+6.2% YoY
|
$477.3M
+9.7% YoY
|
82% |
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| ROA |
-0.2%
-199.3% YoY-30.4% QoQ
|
-1.0% |
0.8%
+18.2% YoY
|
0.6%
+1.0% YoY
|
0.7%
+15.9% YoY
|
Bottom 4.3% in tier |
| NIM |
3.8%
+15.6% YoY+0.5% QoQ
|
+0.2% |
3.6%
+6.7% YoY
|
3.9%
+7.3% YoY
|
3.8%
+5.1% YoY
|
60% |
| Efficiency Ratio |
96.2%
+8.9% YoY-1.6% QoQ
|
+19.2% |
77.0%
-3.1% YoY
|
79.6%
-0.7% YoY
|
79.7%
-3.3% YoY
|
Top 4.0% in tier |
| Delinquency Rate |
1.2%
+90.6% YoY-1.7% QoQ
|
+0.3 |
0.9%
+4.2% YoY
|
1.1%
+23.3% YoY
|
1.3%
-2.1% YoY
|
77% |
| Loan To Share |
84.4%
-2.0% YoY-0.6% QoQ
|
+12.2% |
72.2%
-1.1% YoY
|
76.3%
+0.6% YoY
|
67.4%
-1.7% YoY
|
73% |
| AMR |
$34,383
-2.3% YoY+0.3% QoQ
|
+$10K |
$24,676
+3.4% YoY
|
$24,960
+0.4% YoY
|
$19,687
+2.0% YoY
|
Top 10.3% in tier |
| CD Concentration |
18.3%
+23.8% YoY+2.7% QoQ
|
-6.2% | 24.4% | 16.6% | 19.8% | 50% |
| Indirect Auto % |
5.6%
-22.0% YoY-6.4% QoQ
|
-8.2% | 13.8% | 13.7% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (7)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)