PACIFIC N W

Charter #4878 | OR

100M-500M (1077 CUs) Micro
18 100M-500M in OR

PACIFIC N W has 3 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 6.9% in tier
  • + Wallet Share Momentum: Top 13.9% in tier
  • + Organic Growth Engine: Top 32.8% 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
 Top 17.0% in tier
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
 Top 24.1% in tier
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
 Top 21.3% in tier
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
 Top 22.5% in tier
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
 26th in tier
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
 42nd in tier
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
 67th in tier
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
 39th in tier
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
 56th in tier
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
 45th in tier
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
 50th in tier
Indirect Auto % 50.9%
+14.4% YoY+3.7% QoQ
 +37.0% 14.0%
-5.8% YoY
 13.9%
-0.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#192 of 1006 • Top 6.9% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 5.91%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.4K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#385 of 1006 • Top 13.9% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 5.91%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

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: 13.96%, 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

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: 13.96%, 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)

Comparing against 1077 peers in tier

Top Strengths (6 metrics)

174
Loan Growth Rate
growth
Value: 9.75%
Peer Avg: 3.45%
#174 of 1077 Top 16.1% in 100M-500M tier
183
Total Members
engagement
Value: 22,922
Peer Avg: 15,628
#183 of 1077 Top 16.9% in 100M-500M tier
227
Members Per Employee (MPE)
engagement
Value: 395.207
Peer Avg: 332.881
#227 of 1077 Top 21.0% in 100M-500M tier
229
Total Loans
balance_sheet
Value: $215.95M
Peer Avg: $147.80M
#229 of 1077 Top 21.2% in 100M-500M tier
242
Total Deposits
balance_sheet
Value: $279.41M
Peer Avg: $200.29M
#242 of 1077 Top 22.4% in 100M-500M tier
260
Total Assets
balance_sheet
Value: $315.39M
Peer Avg: $231.30M
#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: 13.34%
#1040 of 1077 Bottom 3.5% in 100M-500M tier
871
Net Worth Ratio
risk
Value: 9.39%
Peer Avg: 12.15%
#871 of 1077 Bottom 19.2% in 100M-500M tier