BlastPoint's Credit Union Scorecard

PACIFIC N W

Charter #4878 · OR

100M-500M
1070 CUs in 100M-500M nationally 17 in OR

PACIFIC N W has 3 strengths but faces 5 concerns

National Analysis

How does the industry compare?
OR Analysis

How does OR stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 50.0% in tier
  • + Net Interest Margin 0.07% above tier average
  • + Loan Growth Rate: Top 3.3% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 50.0% in tier
  • - Efficiency Drag: Bottom 50.0% in tier
  • - ROA 0.35% below tier average
  • - Efficiency ratio 6.41% above tier (higher cost structure)
  • - Indirect Auto Concentration (%): Bottom 2.6% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
Members 23,377
+2.9% YoY+1.5% QoQ
 +8.2K 15,145
-2.5% YoY
 51,194
+9.2% YoY
 33,913
+5.7% YoY
 Top 14.7% in tier
Assets $317.9M
+3.4% YoY+1.5% QoQ
 +$86.2M $231.7M
+0.8% YoY
 $843.4M
+7.6% YoY
 $578.3M
+9.0% YoY
 76%
Loans $240.7M
+20.0% YoY+4.3% QoQ
 +$96.5M $144.1M
+0.2% YoY
 $578.4M
+10.5% YoY
 $402.4M
+8.7% YoY
 Top 14.9% in tier
Deposits $282.9M
+3.3% YoY+1.2% QoQ
 +$81.8M $201.1M
+0.4% YoY
 $722.8M
+7.3% YoY
 $494.3M
+9.1% YoY
 77%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.4%
+45.9% YoY-29.6% QoQ
 -0.4% 0.7%
+5.1% YoY
 0.7%
-4.2% YoY
 0.4%
-39.2% YoY
 28%
NIM 3.7%
+13.0% YoY+4.7% QoQ
 +0.1% 3.6%
+4.6% YoY
 4.0%
+4.4% YoY
 3.8%
+4.1% YoY
 56%
Efficiency Ratio 84.4%
-1.6% YoY+5.4% QoQ
 +6.4% 78.0%
-1.7% YoY
 77.9%
+0.7% YoY
 84.6%
+2.8% YoY
 70%
Delinquency Rate 0.4%
-34.9% YoY-20.7% QoQ
 -0.4 0.8%
+7.1% YoY
 1.1%
+40.5% YoY
 1.2%
+3.4% YoY
 29%
Loan To Share 85.1%
+16.1% YoY+3.1% QoQ
 +14.7% 70.4%
-0.4% YoY
 75.8%
+1.2% YoY
 65.6%
-1.4% YoY
 79%
AMR $22,397
+7.2% YoY+1.1% QoQ
 $-3K $24,918
+2.7% YoY
 $25,270
+0.9% YoY
 $19,920
+1.6% YoY
 46%
CD Concentration 20.9%
-1.5% YoY-1.9% QoQ
 -3.4% 24.3% 16.7% 19.8% 50%
Indirect Auto % 57.3%
+24.7% YoY+5.0% QoQ
 +43.5% 13.8% 13.7% 7.7% 50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth
#254 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature
AMR Growth (YoY): 7.25%
(Tier: 3.74%, National: 6.36%)
better than tier avg
491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally
↑ Growing +107 CUs YoY | New qualifier

Concerns (2)

Indirect Auto Dependency

risk
#150 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 3.39%
(Tier: 4.68%, National: 1663.40%)
worse than tier avg
Indirect Auto %: 57.33%
(Tier: 13.80%, National: 7.73%)
worse than tier avg
Member Growth (YoY): 2.90%
(Tier: 0.72%, National: 10.19%)
but better than tier avg
504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally
↓ Shrinking -29 CUs YoY | Rank worsening

Efficiency Drag

risk
#317 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 84.43%
(Tier: 77.94%, National: 84.64%)
worse than tier avg
ROA Change (YoY): 0.12% points
(Tier: 0.05% points, National: -0.45% points)
but better than tier avg
Member Growth (YoY): 2.90%
(Tier: 0.72%, National: 10.19%)
but better than tier avg
596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally
↓ Shrinking -84 CUs YoY | Rank worsening

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)

Comparing against 1070 peers in tier

Top Strengths (9 metrics)

36
Loan Growth Rate
growth
Value: 19.97%
Peer Median: 2.93%
#36 of 1070 Top 3.3% in 100M-500M tier
157
Total Members
engagement
Value: 23,377
Peer Median: 13,200
#157 of 1070 Top 14.6% in 100M-500M tier
159
Total Loans
balance_sheet
Value: $240.67M
Peer Median: $121.41M
#159 of 1070 Top 14.8% in 100M-500M tier
199
AMR Growth Rate
growth
Value: 7.25%
Peer Median: 3.46%
#199 of 1070 Top 18.5% in 100M-500M tier
220
Member Growth Rate
growth
Value: 2.90%
Peer Median: -0.06%
#220 of 1070 Top 20.5% in 100M-500M tier
225
Loan-to-Share Ratio
balance_sheet
Value: 85.07%
Peer Median: 71.88%
#225 of 1070 Top 20.9% in 100M-500M tier
242
Total Deposits
balance_sheet
Value: $282.91M
Peer Median: $171.29M
#242 of 1070 Top 22.5% in 100M-500M tier
258
Members Per Employee (MPE)
engagement
Value: 383.230
Peer Median: 309.176
#258 of 1070 Top 24.0% in 100M-500M tier
259
Total Assets
balance_sheet
Value: $317.90M
Peer Median: $196.57M
#259 of 1070 Top 24.1% in 100M-500M tier

Top Weaknesses (2 metrics)

1043
Indirect Auto Concentration (%)
balance_sheet
Value: 57.33%
Peer Median: 6.61%
#1043 of 1070 Bottom 2.6% in 100M-500M tier
831
Net Worth Ratio
risk
Value: 9.60%
Peer Median: 11.45%
#831 of 1070 Bottom 22.4% in 100M-500M tier
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