BlastPoint's Credit Union Scorecard
PACIFIC N W
Charter #4878 · OR
PACIFIC N W has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Loan Growth Rate: Top 4.6% 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 0.23% below tier average
- - Efficiency ratio 3.06% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 2.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
23,024
+1.0% YoY+0.4% QoQ
|
+7.6K |
15,437
-2.9% YoY
|
49,474
+8.2% YoY
|
33,374
+5.7% YoY
|
84% |
| Assets |
$313.3M
+2.1% YoY-0.7% QoQ
|
+$81.4M |
$231.9M
+1.3% YoY
|
$800.8M
+6.1% YoY
|
$561.6M
+9.7% YoY
|
75% |
| Loans |
$230.6M
+18.2% YoY+6.8% QoQ
|
+$83.3M |
$147.3M
-0.1% YoY
|
$554.3M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
82% |
| Deposits |
$279.6M
+1.9% YoY+0.1% QoQ
|
+$78.8M |
$200.8M
+0.8% YoY
|
$686.9M
+6.2% YoY
|
$477.3M
+9.7% YoY
|
77% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.5%
+72.5% YoY+27.8% QoQ
|
-0.2% |
0.8%
+18.2% YoY
|
0.6%
+1.0% YoY
|
0.7%
+15.9% YoY
|
34% |
| NIM |
3.5%
+11.3% YoY+2.0% QoQ
|
-0.1% |
3.6%
+6.7% YoY
|
3.9%
+7.3% YoY
|
3.8%
+5.1% YoY
|
46% |
| Efficiency Ratio |
80.1%
-4.1% YoY-2.4% QoQ
|
+3.1% |
77.0%
-3.1% YoY
|
79.6%
-0.7% YoY
|
79.7%
-3.3% YoY
|
60% |
| Delinquency Rate |
0.5%
-37.8% YoY-7.3% QoQ
|
-0.4 |
0.9%
+4.2% YoY
|
1.1%
+23.3% YoY
|
1.3%
-2.1% YoY
|
31% |
| Loan To Share |
82.5%
+16.0% YoY+6.7% QoQ
|
+10.3% |
72.2%
-1.1% YoY
|
76.3%
+0.6% YoY
|
67.4%
-1.7% YoY
|
70% |
| AMR |
$22,161
+7.7% YoY+2.5% QoQ
|
$-3K |
$24,676
+3.4% YoY
|
$24,960
+0.4% YoY
|
$19,687
+2.0% YoY
|
47% |
| CD Concentration |
21.3%
+5.7% YoY-4.4% QoQ
|
-3.1% | 24.4% | 16.6% | 19.8% | 50% |
| Indirect Auto % |
54.6%
+22.8% YoY+7.3% QoQ
|
+40.8% | 13.8% | 13.7% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)