BlastPoint's Credit Union Scorecard
NW PREFERRED
Charter #3853 · OR
NW PREFERRED has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Interest Margin 1.04% above tier average
- + Loan-to-Member Ratio (LMR): Top 5.1% in tier
- + Average Member Relationship (AMR): Top 7.2% in tier
- + First Mortgage Concentration (%): Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Liquidity Strain: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Member decline: -3.2% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,067
-3.2% YoY-0.8% QoQ
|
-7.1K |
15,145
-2.5% YoY
|
51,194
+9.2% YoY
|
33,913
+5.7% YoY
|
18% |
| Assets |
$190.3M
+5.8% YoY+3.8% QoQ
|
$-41.4M |
$231.7M
+0.8% YoY
|
$843.4M
+7.6% YoY
|
$578.3M
+9.0% YoY
|
48% |
| Loans |
$145.6M
+4.4% YoY-1.1% QoQ
|
+$1.4M |
$144.1M
+0.2% YoY
|
$578.4M
+10.5% YoY
|
$402.4M
+8.7% YoY
|
60% |
| Deposits |
$161.6M
+4.9% YoY+4.4% QoQ
|
$-39.5M |
$201.1M
+0.4% YoY
|
$722.8M
+7.3% YoY
|
$494.3M
+9.1% YoY
|
46% |
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| ROA |
0.8%
-12.2% YoY-49.6% QoQ
|
+0.0% |
0.7%
+5.1% YoY
|
0.7%
-4.2% YoY
|
0.4%
-39.2% YoY
|
55% |
| NIM |
4.7%
+5.4% YoY+2.7% QoQ
|
+1.0% |
3.6%
+4.6% YoY
|
4.0%
+4.4% YoY
|
3.8%
+4.1% YoY
|
Top 6.9% in tier |
| Efficiency Ratio |
66.4%
-7.3% YoY+6.0% QoQ
|
-11.6% |
78.0%
-1.7% YoY
|
77.9%
+0.7% YoY
|
84.6%
+2.8% YoY
|
18% |
| Delinquency Rate |
0.7%
-9.4% YoY-8.7% QoQ
|
-0.1 |
0.8%
+7.1% YoY
|
1.1%
+40.5% YoY
|
1.2%
+3.4% YoY
|
55% |
| Loan To Share |
90.1%
-0.5% YoY-5.2% QoQ
|
+19.7% |
70.4%
-0.4% YoY
|
75.8%
+1.2% YoY
|
65.6%
-1.4% YoY
|
Top 11.3% in tier |
| AMR |
$38,079
+8.2% YoY+2.5% QoQ
|
+$13K |
$24,918
+2.7% YoY
|
$25,270
+0.9% YoY
|
$19,920
+1.6% YoY
|
Top 7.3% in tier |
| CD Concentration |
18.8%
+12.9% YoY+2.5% QoQ
|
-5.5% | 24.3% | 16.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 13.7% | 7.7% | 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 (4)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)