BlastPoint's Credit Union Scorecard
PACIFIC N W
Charter #4878 · OR
PACIFIC N W has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.09% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.22% below tier average
- - Efficiency ratio 3.76% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 2.8% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 16 that size in Oregon.
- Shares and deposits +1.0% year over year ($281M in shares and deposits).
- Membership: 23,380 members, +2.1% vs a year ago.
- Delinquency rate 0.31%.
- Return on assets 0.64%.
- Efficiency ratio 80.49% vs a 76.73% peer average.
- Loan-to-share ratio 84.69% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
23,380
+2.1% YoY+0.0% QoQ
|
+8.2K |
15,168
-2.6% YoY
|
51,821
+9.3% YoY
|
34,678
+6.6% YoY
|
Top 14.6% in tier |
| Assets |
$317.3M
+1.7% YoY-0.2% QoQ
|
+$85.3M |
$232.0M
+0.7% YoY
|
$850.7M
+8.9% YoY
|
$593.1M
+10.2% YoY
|
76% |
| Loans |
$237.7M
+12.2% YoY-1.2% QoQ
|
+$91.4M |
$146.3M
+0.2% YoY
|
$590.7M
+10.5% YoY
|
$418.6M
+10.1% YoY
|
84% |
| Deposits |
$280.7M
+1.0% YoY-0.8% QoQ
|
+$79.9M |
$200.7M
+0.2% YoY
|
$725.1M
+8.5% YoY
|
$504.8M
+10.3% YoY
|
78% |
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| ROA |
0.6%
+30.2% YoY+72.2% QoQ
|
-0.2% |
0.9%
+12.5% YoY
|
0.8%
+19.1% YoY
|
1.2%
+121.4% YoY
|
40% |
| NIM |
3.8%
+10.6% YoY+2.0% QoQ
|
+0.1% |
3.7%
+4.5% YoY
|
4.0%
+5.3% YoY
|
3.8%
+2.3% YoY
|
56% |
| Efficiency Ratio |
80.5%
-0.2% YoY-4.7% QoQ
|
+3.8% |
76.7%
-0.8% YoY
|
78.0%
+0.7% YoY
|
83.0%
-5.3% YoY
|
59% |
| Delinquency Rate |
0.3%
-42.5% YoY-18.9% QoQ
|
-0.6 |
0.9%
+6.6% YoY
|
1.1%
+29.8% YoY
|
1.3%
+2.6% YoY
|
19% |
| Loan To Share |
84.7%
+11.1% YoY-0.4% QoQ
|
+13.1% |
71.5%
-0.3% YoY
|
76.6%
+0.5% YoY
|
66.4%
-1.4% YoY
|
75% |
| AMR |
$22,170
+3.6% YoY-1.0% QoQ
|
$-3K |
$25,107
+3.2% YoY
|
$25,405
+1.6% YoY
|
$20,028
-0.9% YoY
|
45% |
| CD Concentration |
21.3%
-5.4% YoY+2.0% QoQ
|
-3.3% | 24.6% | 16.7% | 20.0% | 50% |
| Indirect Auto % |
56.6%
+15.3% YoY-1.2% QoQ
|
+43.0% | 13.6% | 13.6% | 7.7% | 50% |
Signature Analysis
Strengths (0)
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)