BlastPoint's Credit Union Scorecard
CASCADE COMMUNITY
Charter #5652 · 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
- + Profitability Leader: Top 4.4% in tier
- + Organic Growth Leader: Top 7.3% in tier
- + Credit Quality Leader: Top 23.3% 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
- - Credit Risk Growth: Bottom 13.4% in tier
- - Credit Quality Pressure: Bottom 19.8% in tier
- - Liquidity Overhang: Bottom 70.7% 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
|
73% |
| 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 |
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 |
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
|
54% |
| 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
|
42% |
| 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
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
13.9%
-0.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
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)