BlastPoint's Credit Union Scorecard
ADVANTIS
Charter #62659 · OR
ADVANTIS has 1 strength but faces 8 concerns
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How does OR stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.31% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 0.1% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Accelerating Exit Risk: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 56.3% in tier
Core Metrics
As of 2024-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
87,669
-1.7% YoY-0.3% QoQ
|
-12.9K |
100,545
-3.3% YoY
|
44,614
+4.4% YoY
|
31,195
+5.6% YoY
|
45% |
| Assets |
$1.9B
-5.3% YoY-1.3% QoQ
|
+$188.0M |
$1.7B
-2.0% YoY
|
$745.3M
+7.3% YoY
|
$507.9M
+7.0% YoY
|
65% |
| Loans |
$1.3B
-2.3% YoY+0.5% QoQ
|
+$87.8M |
$1.2B
-3.1% YoY
|
$492.4M
+6.8% YoY
|
$358.1M
+5.9% YoY
|
62% |
| Deposits |
$1.6B
-2.8% YoY-1.7% QoQ
|
+$210.3M |
$1.4B
-2.2% YoY
|
$635.9M
+6.5% YoY
|
$425.3M
+6.5% YoY
|
66% |
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| ROA |
0.2%
-18.5% YoY+65.2% QoQ
|
-0.4% |
0.6%
-11.3% YoY
|
0.6%
-20.8% YoY
|
0.2%
-69.3% YoY
|
18% |
| NIM |
3.3%
+7.7% YoY+2.7% QoQ
|
+0.3% |
3.0%
+2.7% YoY
|
3.6%
+6.0% YoY
|
3.6%
+9.2% YoY
|
72% |
| Efficiency Ratio |
82.1%
-3.3% YoY-0.5% QoQ
|
-0.9% |
83.1%
+8.4% YoY
|
79.0%
+4.8% YoY
|
81.8%
-0.3% YoY
|
70% |
| Delinquency Rate |
0.7%
+23.6% YoY+30.1% QoQ
|
+0.0 |
0.8%
+30.8% YoY
|
1.0%
+78.5% YoY
|
1.2%
+14.8% YoY
|
60% |
| Loan To Share |
79.9%
+0.5% YoY+2.1% QoQ
|
-6.0% |
85.9%
-1.2% YoY
|
75.6%
+0.4% YoY
|
69.2%
+1.2% YoY
|
29% |
| AMR |
$33,760
-0.9% YoY-0.5% QoQ
|
+$5K |
$28,374
+0.3% YoY
|
$24,912
+1.6% YoY
|
$19,175
+3.6% YoY
|
82% |
| CD Concentration |
35.6%
+24.4% YoY+2.0% QoQ
|
+6.9% | 28.8% | 16.3% | 18.5% | 81% |
| Indirect Auto % |
27.1%
-12.4% YoY-2.1% QoQ
|
+7.8% | 19.3% | 14.0% | 8.1% | 69% |
Signature Analysis
Strengths (0)
Concerns (8)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
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)