BlastPoint's Credit Union Scorecard

PACIFIC N W

Charter #4878 · OR

1069 CUs in 100M-500M nationally 18 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 52.0% in tier
  • + Organic Growth Engine: Top 98.2% in tier
  • + Loan Growth Rate: Top 4.6% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 35.6% in tier
  • - Efficiency Drag: Bottom 75.8% 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%

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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 0.5%
+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 (2)

Wallet Share Momentum

growth
#267 of 513 • Top 52.0% in tier

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

Why This Signature
AMR Growth (YoY): 7.65%
(Tier: 4.17%, National: 4.00%)
better than tier avg
513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally
↑ Growing +180 CUs YoY | New qualifier

Organic Growth Engine

growth
#584 of 595 • Top 98.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 0.98%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Return on Assets: 0.53%
(Tier: 0.75%, National: 0.67%)
but worse than tier avg
Indirect Auto %: 54.63%
(Tier: 13.79%, National: 7.78%)
but worse than tier avg
595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally
→ No prior data (595 CUs now) | New qualifier

Concerns (2)

Indirect Auto Dependency

risk
#181 of 506 • Bottom 35.6% in tier

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

Why This Signature
Asset Growth (YoY): 2.10%
(Tier: 5.37%, National: 3.54%)
worse than tier avg
Indirect Auto %: 54.63%
(Tier: 13.79%, National: 7.78%)
worse than tier avg
Member Growth (YoY): 0.98%
(Tier: 0.69%, National: 4.32%)
but better than tier avg
506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally
↓ Shrinking -35 CUs YoY | Rank worsening

Efficiency Drag

risk
#408 of 538 • Bottom 75.8% in tier

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

Why This Signature
Efficiency Ratio: 80.08%
(Tier: 76.88%, National: 79.67%)
worse than tier avg
ROA Change (YoY): 0.22% points
(Tier: 0.11% points, National: 0.02% points)
but better than tier avg
Member Growth (YoY): 0.98%
(Tier: 0.69%, National: 4.32%)
but better than tier avg
538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally
↓ Shrinking -98 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)

Comparing against 1069 peers in tier

Top Strengths (7 metrics)

50
Loan Growth Rate
growth
Value: 18.21%
Peer Median: -
#50 of 1069 Top 4.6% in 100M-500M tier
175
Total Members
engagement
Value: 23,024
Peer Median: -
#175 of 1069 Top 16.3% in 100M-500M tier
188
Total Loans
balance_sheet
Value: $230.64M
Peer Median: -
#188 of 1069 Top 17.5% in 100M-500M tier
211
AMR Growth Rate
growth
Value: 7.65%
Peer Median: -
#211 of 1069 Top 19.6% in 100M-500M tier
215
Members Per Employee (MPE)
engagement
Value: 396.966
Peer Median: -
#215 of 1069 Top 20.0% in 100M-500M tier
242
Total Deposits
balance_sheet
Value: $279.59M
Peer Median: -
#242 of 1069 Top 22.5% in 100M-500M tier
264
Total Assets
balance_sheet
Value: $313.26M
Peer Median: -
#264 of 1069 Top 24.6% in 100M-500M tier

Top Weaknesses (2 metrics)

1041
Indirect Auto Concentration (%)
balance_sheet
Value: 54.63%
Peer Median: -
#1041 of 1069 Bottom 2.7% in 100M-500M tier
832
Net Worth Ratio
risk
Value: 9.64%
Peer Median: -
#832 of 1069 Bottom 22.3% in 100M-500M tier
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