CASCADE COMMUNITY

Charter #5652 | OR

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

CASCADE COMMUNITY has 13 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 0.4% in tier
  • + Organic Growth Leader: Top 7.3% in tier
  • + Relationship Depth Leader: Top 19.6% in tier
  • + Wallet Share Momentum: Top 35.0% in tier
  • + ROA 1.58% above tier average
  • + Net Interest Margin 0.07% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Efficiency Ratio: Top 1.3% in tier
  • + Total Assets: Top 5.0% in tier
  • + Total Delinquency Rate (60+ days): Top 6.6% in tier
  • + Total Deposits: Top 6.8% in tier
  • + Net Charge-Off Rate: Top 8.1% in tier
  • + Net Worth Ratio: Top 8.3% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 7.4% in tier
  • - Growth-at-Risk: Bottom 13.4% in tier
  • - Credit Quality Pressure: Bottom 19.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
Members 19,279
+4.6% YoY+0.7% QoQ
 +3.7K 15,628
-3.4% YoY
 48,799
+9.4% YoY
 33,089
+6.1% YoY
 73rd in tier
Assets $446.3M
+5.2% YoY+1.0% QoQ
 +$215.0M $231.3M
-0.0% YoY
 $801.2M
+7.5% YoY
 $547.7M
+7.8% YoY
 Top 5.1% in tier
Loans $263.6M
+9.5% YoY+0.7% QoQ
 +$115.8M $147.8M
-1.4% YoY
 $546.0M
+10.9% YoY
 $388.7M
+8.6% YoY
 Top 11.4% in tier
Deposits $370.8M
+3.0% YoY+0.3% QoQ
 +$170.5M $200.3M
-0.0% YoY
 $683.7M
+7.5% YoY
 $464.6M
+9.3% YoY
 Top 6.9% in tier
ROA 2.4%
+23.9% YoY+0.1% QoQ
 +1.6% 0.8%
+15.5% YoY
 0.7%
+15.2% YoY
 0.7%
+273.4% YoY
 Top 1.4% in tier
NIM 3.7%
+14.4% YoY+0.9% QoQ
 +0.1% 3.6%
+6.9% YoY
 3.9%
+7.2% YoY
 3.7%
+5.0% YoY
 54th in tier
Efficiency Ratio 48.2%
-8.8% YoY+1.5% QoQ
 -29.1% 77.3%
-3.0% YoY
 76.2%
-3.6% YoY
 79.1%
-3.3% YoY
 Bottom 1.3% in tier
Delinquency Rate 0.1%
+319.9% YoY+67.7% QoQ
 -0.7 0.9%
+7.6% YoY
 0.9%
-6.6% YoY
 1.2%
-0.9% YoY
 Bottom 6.6% in tier
Loan To Share 71.1%
+6.3% YoY+0.4% QoQ
 -1.6% 72.7%
-1.5% YoY
 76.2%
+0.8% YoY
 68.0%
-1.7% YoY
 42nd in tier
AMR $32,904
+1.0% YoY-0.3% QoQ
 +$9K $24,363
+2.9% YoY
 $25,038
+0.5% YoY
 $19,418
+1.3% YoY
 Top 11.6% in tier
CD Concentration 10.8%
-14.7% YoY+3.9% QoQ
 -13.6% 24.4%
+4.2% YoY
 16.6%
+1.3% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 13.9%
-0.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (4)

Organic Growth Engine

growth
#9 of 603 • Top 0.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.57%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 2.37%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Organic Growth Leader

growth
#97 of 430 • Top 7.3% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 4.57%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank improving

Relationship Depth Leader

growth
#541 of 1006 • Top 19.6% in tier

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

Why This Signature
AMR Growth (YoY): 0.96%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $4.6K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#964 of 1006 • Top 35.0% in tier

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

Why This Signature
AMR Growth (YoY): 0.96%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (3)

Liquidity Overhang

risk
#116 of 552 • Bottom 7.4% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 16.67%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 71.08%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY

Growth-at-Risk

risk
#201 of 446 • Bottom 13.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 9.45%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.10% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Credit Quality Pressure

risk
#491 of 736 • Bottom 19.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.10% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

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 (16 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
15
Return on Assets (ROA)
profitability
Value: 2.37%
Peer Avg: 0.79%
#15 of 1077 Top 1.3% in 100M-500M tier
15
Efficiency Ratio
profitability
Value: 48.19%
Peer Avg: 77.28%
#15 of 1077 Top 1.3% in 100M-500M tier
55
Total Assets
balance_sheet
Value: $446.26M
Peer Avg: $231.30M
#55 of 1077 Top 5.0% in 100M-500M tier
72
Total Delinquency Rate (60+ days)
risk
Value: 0.13%
Peer Avg: 0.86%
#72 of 1077 Top 6.6% in 100M-500M tier
74
Total Deposits
balance_sheet
Value: $370.78M
Peer Avg: $200.29M
#74 of 1077 Top 6.8% in 100M-500M tier
88
Net Charge-Off Rate
risk
Value: 0.05%
Peer Avg: 0.47%
#88 of 1077 Top 8.1% in 100M-500M tier
90
Net Worth Ratio
risk
Value: 16.67%
Peer Avg: 12.15%
#90 of 1077 Top 8.3% in 100M-500M tier
109
Members Per Employee (MPE)
engagement
Value: 459.024
Peer Avg: 332.881
#109 of 1077 Top 10.0% in 100M-500M tier
116
Member Growth Rate
growth
Value: 4.57%
Peer Avg: 0.72%
#116 of 1077 Top 10.7% in 100M-500M tier

Top Weaknesses (0 metrics)

No weakness rankings available