BlastPoint's Credit Union Scorecard
NW PREFERRED
Charter #3853 · OR
NW PREFERRED has 8 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 25.0% in tier
- + Wallet Share Momentum: Top 53.1% in tier
- + ROA 0.33% above tier average
- + Net Interest Margin 0.92% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 6.2% in tier
- + Average Member Relationship (AMR): Top 8.1% in tier
- + First Mortgage Concentration (%): Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 1.8% in tier
- - Membership Headwinds: Bottom 15.9% in tier
- - Liquidity Strain: Bottom 28.7% in tier
- - Member decline: -2.6% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,268
-2.6% YoY-0.7% QoQ
|
-7.4K |
15,628
-3.4% YoY
|
48,799
+9.4% YoY
|
33,089
+6.1% YoY
|
18% |
| Assets |
$181.5M
+4.6% YoY+1.0% QoQ
|
$-49.8M |
$231.3M
-0.0% YoY
|
$801.2M
+7.5% YoY
|
$547.7M
+7.8% YoY
|
44% |
| Loans |
$140.8M
+4.6% YoY+1.5% QoQ
|
$-7.0M |
$147.8M
-1.4% YoY
|
$546.0M
+10.9% YoY
|
$388.7M
+8.6% YoY
|
57% |
| Deposits |
$154.5M
+4.3% YoY+0.9% QoQ
|
$-45.8M |
$200.3M
-0.0% YoY
|
$683.7M
+7.5% YoY
|
$464.6M
+9.3% YoY
|
43% |
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| ROA |
1.1%
+85.6% YoY+9.2% QoQ
|
+0.3% |
0.8%
+15.5% YoY
|
0.7%
+15.2% YoY
|
0.7%
+273.4% YoY
|
73% |
| NIM |
4.5%
+6.0% YoY+1.1% QoQ
|
+0.9% |
3.6%
+6.9% YoY
|
3.9%
+7.2% YoY
|
3.7%
+5.0% YoY
|
Top 8.9% in tier |
| Efficiency Ratio |
67.4%
-5.3% YoY-2.2% QoQ
|
-9.9% |
77.3%
-3.0% YoY
|
76.2%
-3.6% YoY
|
79.1%
-3.3% YoY
|
20% |
| Delinquency Rate |
0.7%
-32.8% YoY-7.9% QoQ
|
-0.2 |
0.9%
+7.6% YoY
|
0.9%
-6.6% YoY
|
1.2%
-0.9% YoY
|
51% |
| Loan To Share |
91.2%
+0.3% YoY+0.7% QoQ
|
+18.5% |
72.7%
-1.5% YoY
|
76.2%
+0.8% YoY
|
68.0%
-1.7% YoY
|
Top 13.9% in tier |
| AMR |
$35,719
+7.3% YoY+1.9% QoQ
|
+$11K |
$24,363
+2.9% YoY
|
$25,038
+0.5% YoY
|
$19,418
+1.3% YoY
|
Top 8.2% in tier |
| CD Concentration |
18.1%
+5.4% YoY+2.4% QoQ
|
-6.3% |
24.4%
+4.2% YoY
|
16.6%
+1.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
13.9%
-0.5% YoY
|
7.9%
-2.9% YoY
|
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)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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.
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)