BlastPoint's Credit Union Scorecard
CENTRAL WILLAMETTE
Charter #62665 · OR
CENTRAL WILLAMETTE has 3 strengths but faces 2 concerns
How does the industry compare?
What's your peer group doing?
How does OR stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.55% above tier average
- + First Mortgage Concentration (%): Top 7.8% in tier
- + Net Worth Ratio: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 74.7% in tier
- - Delinquency rate 0.52% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
37,628
+1.7% YoY-0.4% QoQ
|
-451 |
38,079
-4.8% YoY
|
51,194
+9.2% YoY
|
33,913
+5.7% YoY
|
53% |
| Assets |
$613.8M
+1.4% YoY+0.5% QoQ
|
$-5.9M |
$619.7M
-0.2% YoY
|
$843.4M
+7.6% YoY
|
$578.3M
+9.0% YoY
|
47% |
| Loans |
$440.3M
+5.9% YoY-0.9% QoQ
|
+$21.0M |
$419.3M
-1.4% YoY
|
$578.4M
+10.5% YoY
|
$402.4M
+8.7% YoY
|
57% |
| Deposits |
$522.8M
+0.1% YoY+0.3% QoQ
|
$-16.7M |
$539.5M
-0.1% YoY
|
$722.8M
+7.3% YoY
|
$494.3M
+9.1% YoY
|
42% |
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 |
0.7%
+37.4% YoY+26.1% QoQ
|
+0.0% |
0.7%
+36.0% YoY
|
0.7%
-4.2% YoY
|
0.4%
-39.2% YoY
|
58% |
| NIM |
4.0%
+0.8% YoY-1.5% QoQ
|
+0.5% |
3.5%
+4.5% YoY
|
4.0%
+4.4% YoY
|
3.8%
+4.1% YoY
|
Top 13.2% in tier |
| Efficiency Ratio |
74.1%
-7.4% YoY-1.8% QoQ
|
-4.3% |
78.4%
-3.7% YoY
|
77.9%
+0.7% YoY
|
84.6%
+2.8% YoY
|
26% |
| Delinquency Rate |
1.2%
-2.8% YoY-9.4% QoQ
|
+0.5 |
0.7%
-0.9% YoY
|
1.1%
+40.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 13.8% in tier |
| Loan To Share |
84.2%
+5.8% YoY-1.1% QoQ
|
+6.6% |
77.7%
-1.2% YoY
|
75.8%
+1.2% YoY
|
65.6%
-1.4% YoY
|
62% |
| AMR |
$25,594
+1.0% YoY+0.1% QoQ
|
$-1K |
$26,927
+3.1% YoY
|
$25,270
+0.9% YoY
|
$19,920
+1.6% YoY
|
49% |
| CD Concentration |
24.8%
-3.2% YoY+14.5% QoQ
|
+0.5% | 24.3% | 16.7% | 19.8% | 52% |
| Indirect Auto % |
33.8%
+17.4% YoY-1.0% QoQ
|
+20.0% | 13.8% | 13.7% | 7.7% | Bottom 13.4% in tier |
Signature Analysis
Strengths (0)
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)