BlastPoint's Credit Union Scorecard

PACIFIC N W

Charter #4878 · OR

1077 CUs in 100M-500M nationally 18 in OR

PACIFIC N W has 2 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

+ Organic Growth Engine: Top 32.8% in tier
+ Wallet Share Momentum: Top 80.0% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 4.1% in tier
- Efficiency Drag: Bottom 13.0% in tier
- ROA 0.37% below tier average
- Efficiency ratio 4.73% above tier (higher cost structure)
- Indirect Auto Concentration (%): Bottom 3.5% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Members	22,922 +0.8% YoY+0.1% QoQ	+7.3K	15,628 -3.4% YoY	48,799 +9.4% YoY	33,089 +6.1% YoY	83%
Assets	$315.4M +4.7% YoY+1.0% QoQ	+$84.1M	$231.3M -0.0% YoY	$801.2M +7.5% YoY	$547.7M +7.8% YoY	76%
Loans	$216.0M +9.8% YoY+1.9% QoQ	+$68.2M	$147.8M -1.4% YoY	$546.0M +10.9% YoY	$388.7M +8.6% YoY	79%
Deposits	$279.4M +4.5% YoY+0.5% QoQ	+$79.1M	$200.3M -0.0% YoY	$683.7M +7.5% YoY	$464.6M +9.3% YoY	78%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.4% +30.2% YoY-15.9% QoQ	-0.4%	0.8% +15.5% YoY	0.7% +15.2% YoY	0.7% +273.4% YoY	26%
NIM	3.5% +8.7% YoY+1.5% QoQ	-0.1%	3.6% +6.9% YoY	3.9% +7.2% YoY	3.7% +5.0% YoY	42%
Efficiency Ratio	82.0% -1.3% YoY+1.7% QoQ	+4.7%	77.3% -3.0% YoY	76.2% -3.6% YoY	79.1% -3.3% YoY	67%
Delinquency Rate	0.5% -25.3% YoY-3.5% QoQ	-0.3	0.9% +7.6% YoY	0.9% -6.6% YoY	1.2% -0.9% YoY	39%
Loan To Share	77.3% +5.0% YoY+1.4% QoQ	+4.6%	72.7% -1.5% YoY	76.2% +0.8% YoY	68.0% -1.7% YoY	56%
AMR	$21,611 +5.9% YoY+1.0% QoQ	$-3K	$24,363 +2.9% YoY	$25,038 +0.5% YoY	$19,418 +1.3% YoY	45%
CD Concentration	22.3% +19.0% YoY-1.1% QoQ	-2.1%	24.4% +4.2% YoY	16.6% +1.3% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	50.9% +14.4% YoY+3.7% QoQ	+37.0%	14.0% -5.7% YoY	13.9% -0.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#602 of 603 • Top 32.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.80%

(Tier: 0.88%, National: 9.37%)

but worse than tier avg

Return on Assets: 0.42%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 50.93%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#385 of 481 • Top 80.0% in tier

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

Why This Signature

AMR Growth (YoY): 5.91%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (2)

Indirect Auto Dependency

risk

#67 of 525 • Bottom 4.1% in tier

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

Why This Signature

Asset Growth (YoY): 4.68%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 50.93%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 0.80%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank improving

Efficiency Drag

risk

#231 of 521 • Bottom 13.0% in tier

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

Why This Signature

Efficiency Ratio: 82.01%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.10% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): 0.80%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (6 metrics)

174

Loan Growth Rate

growth

Value: 9.75%

Peer Avg: -

#174 of 1077 Top 16.1% in 100M-500M tier

183

Total Members

engagement

Value: 22,922

Peer Avg: -

#183 of 1077 Top 16.9% in 100M-500M tier

227

Members Per Employee (MPE)

engagement

Value: 395.207

Peer Avg: -

#227 of 1077 Top 21.0% in 100M-500M tier

229

Total Loans

balance_sheet

Value: $215.95M

Peer Avg: -

#229 of 1077 Top 21.2% in 100M-500M tier

242

Total Deposits

balance_sheet

Value: $279.41M

Peer Avg: -

#242 of 1077 Top 22.4% in 100M-500M tier

260

Total Assets

balance_sheet

Value: $315.39M

Peer Avg: -

#260 of 1077 Top 24.0% in 100M-500M tier

Top Weaknesses (2 metrics)

1040

Indirect Auto Concentration (%)

balance_sheet

Value: 50.93%

Peer Avg: -

#1040 of 1077 Bottom 3.5% in 100M-500M tier

871

Net Worth Ratio

risk

Value: 9.39%

Peer Avg: -

#871 of 1077 Bottom 19.2% in 100M-500M tier