BlastPoint's Credit Union Scorecard
CENTRAL WILLAMETTE
Charter #62665 · OR
CENTRAL WILLAMETTE has 3 strengths but faces 5 concerns
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How does OR stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.21% above tier average
- + Net Interest Margin 0.49% above tier average
- + First Mortgage Concentration (%): Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 15.2% in tier
- - Stagnation Risk: Bottom 61.8% in tier
- - Membership Headwinds: Bottom 61.8% in tier
- - Indirect Auto Dependency: Bottom 67.6% in tier
- - Delinquency rate 0.21% above tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 2 that size in Oregon.
- Shares and deposits +1.6% year over year ($525M in shares and deposits).
- Membership: 37,367 members, -0.8% vs a year ago.
- Delinquency rate 1.02%.
- Return on assets 1.03%.
- Efficiency ratio 75.24% vs a 76.56% peer average.
- Loan-to-share ratio 83.36% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
37,367
-0.8% YoY-0.7% QoQ
|
-530 |
37,897
-5.0% YoY
|
51,821
+9.3% YoY
|
34,678
+6.6% YoY
|
52% |
| Assets |
$617.6M
+2.3% YoY+0.6% QoQ
|
$-4.8M |
$622.4M
+0.6% YoY
|
$850.7M
+8.9% YoY
|
$593.1M
+10.2% YoY
|
48% |
| Loans |
$438.0M
-1.5% YoY-0.5% QoQ
|
+$9.5M |
$428.5M
-0.7% YoY
|
$590.7M
+10.5% YoY
|
$418.6M
+10.1% YoY
|
54% |
| Deposits |
$525.4M
+1.6% YoY+0.5% QoQ
|
$-14.4M |
$539.8M
+0.9% YoY
|
$725.1M
+8.5% YoY
|
$504.8M
+10.3% YoY
|
44% |
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| ROA |
1.0%
+51.0% YoY+47.5% QoQ
|
+0.2% |
0.8%
+39.5% YoY
|
0.8%
+19.1% YoY
|
1.2%
+121.4% YoY
|
70% |
| NIM |
4.0%
-0.8% YoY+0.1% QoQ
|
+0.5% |
3.5%
+5.0% YoY
|
4.0%
+5.3% YoY
|
3.8%
+2.3% YoY
|
83% |
| Efficiency Ratio |
75.2%
-0.4% YoY+1.6% QoQ
|
-1.3% |
76.6%
-3.6% YoY
|
78.0%
+0.7% YoY
|
83.0%
-5.3% YoY
|
36% |
| Delinquency Rate |
1.0%
-7.2% YoY-17.1% QoQ
|
+0.2 |
0.8%
+3.1% YoY
|
1.1%
+29.8% YoY
|
1.3%
+2.6% YoY
|
74% |
| Loan To Share |
83.4%
-3.0% YoY-1.0% QoQ
|
+4.0% |
79.3%
-1.4% YoY
|
76.6%
+0.5% YoY
|
66.4%
-1.4% YoY
|
54% |
| AMR |
$25,781
+1.0% YoY+0.7% QoQ
|
$-2K |
$27,294
+4.1% YoY
|
$25,405
+1.6% YoY
|
$20,028
-0.9% YoY
|
51% |
| CD Concentration |
24.9%
-2.0% YoY+0.4% QoQ
|
+0.3% | 24.6% | 16.7% | 20.0% | 51% |
| Indirect Auto % |
32.2%
-3.4% YoY-4.7% QoQ
|
+18.5% | 13.6% | 13.6% | 7.7% | Bottom 14.2% in tier |
Signature Analysis
Strengths (0)
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)