BlastPoint's Credit Union Scorecard
NW PREFERRED
Charter #3853 · OR
NW PREFERRED has 9 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 21.0% in tier
- + Wallet Share Momentum: Top 40.4% in tier
- + ROA 0.76% above tier average
- + Net Interest Margin 0.94% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 5.4% in tier
- + Loan-to-Share Ratio: Top 7.2% in tier
- + Average Member Relationship (AMR): Top 7.3% in tier
- + First Mortgage Concentration (%): Top 8.4% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 46.3% in tier
- - Liquidity Strain: Bottom 48.5% in tier
- - Stagnation Risk: Bottom 71.2% in tier
- - Member decline: -2.9% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,134
-2.9% YoY-1.6% QoQ
|
-7.3K |
15,437
-2.9% YoY
|
49,474
+8.2% YoY
|
33,374
+5.7% YoY
|
18% |
| Assets |
$183.3M
+4.9% YoY+1.0% QoQ
|
$-48.5M |
$231.9M
+1.3% YoY
|
$800.8M
+6.1% YoY
|
$561.6M
+9.7% YoY
|
44% |
| Loans |
$147.2M
+7.1% YoY+4.5% QoQ
|
$-153K |
$147.3M
-0.1% YoY
|
$554.3M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
60% |
| Deposits |
$154.9M
+3.8% YoY+0.3% QoQ
|
$-45.9M |
$200.8M
+0.8% YoY
|
$686.9M
+6.2% YoY
|
$477.3M
+9.7% YoY
|
43% |
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| ROA |
1.5%
+167.9% YoY+36.0% QoQ
|
+0.8% |
0.8%
+18.2% YoY
|
0.6%
+1.0% YoY
|
0.7%
+15.9% YoY
|
Top 10.4% in tier |
| NIM |
4.5%
+5.6% YoY+0.8% QoQ
|
+0.9% |
3.6%
+6.7% YoY
|
3.9%
+7.3% YoY
|
3.8%
+5.1% YoY
|
Top 8.3% in tier |
| Efficiency Ratio |
62.6%
-10.3% YoY-7.1% QoQ
|
-14.4% |
77.0%
-3.1% YoY
|
79.6%
-0.7% YoY
|
79.7%
-3.3% YoY
|
Bottom 10.3% in tier |
| Delinquency Rate |
0.7%
-24.3% YoY+5.9% QoQ
|
-0.2 |
0.9%
+4.2% YoY
|
1.1%
+23.3% YoY
|
1.3%
-2.1% YoY
|
51% |
| Loan To Share |
95.0%
+3.2% YoY+4.3% QoQ
|
+22.8% |
72.2%
-1.1% YoY
|
76.3%
+0.6% YoY
|
67.4%
-1.7% YoY
|
Top 7.3% in tier |
| AMR |
$37,136
+8.6% YoY+4.0% QoQ
|
+$12K |
$24,676
+3.4% YoY
|
$24,960
+0.4% YoY
|
$19,687
+2.0% YoY
|
Top 7.4% in tier |
| CD Concentration |
18.4%
+6.7% YoY+1.6% QoQ
|
-6.1% | 24.4% | 16.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 13.7% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)