BlastPoint's Credit Union Scorecard
CENTRAL WILLAMETTE
Charter #62665 · OR
CENTRAL WILLAMETTE has 3 strengths but faces 3 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
- + Organic Growth Engine: Top 92.1% in tier
- + Net Interest Margin 0.63% above tier average
- + First Mortgage Concentration (%): Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 58.2% in tier
- - ROA 0.10% below tier average
- - Delinquency rate 0.51% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
37,775
+1.7% YoY-0.5% QoQ
|
-800 |
38,575
-4.8% YoY
|
49,474
+8.2% YoY
|
33,374
+5.7% YoY
|
53% |
| Assets |
$610.8M
+3.0% YoY+0.3% QoQ
|
$-10.9M |
$621.7M
+0.1% YoY
|
$800.8M
+6.1% YoY
|
$561.6M
+9.7% YoY
|
44% |
| Loans |
$444.2M
+7.1% YoY-2.3% QoQ
|
+$14.4M |
$429.8M
-1.8% YoY
|
$554.3M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
56% |
| Deposits |
$521.4M
+2.0% YoY+0.0% QoQ
|
$-17.3M |
$538.7M
+0.6% YoY
|
$686.9M
+6.2% YoY
|
$477.3M
+9.7% YoY
|
41% |
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| ROA |
0.6%
+8.8% YoY-8.6% QoQ
|
-0.1% |
0.7%
+42.9% YoY
|
0.6%
+1.0% YoY
|
0.7%
+15.9% YoY
|
45% |
| NIM |
4.1%
+13.2% YoY+0.2% QoQ
|
+0.6% |
3.4%
+8.0% YoY
|
3.9%
+7.3% YoY
|
3.8%
+5.1% YoY
|
Top 11.5% in tier |
| Efficiency Ratio |
75.5%
-3.6% YoY+0.4% QoQ
|
-2.1% |
77.5%
-4.1% YoY
|
79.6%
-0.7% YoY
|
79.7%
-3.3% YoY
|
38% |
| Delinquency Rate |
1.4%
-2.7% YoY+20.4% QoQ
|
+0.5 |
0.8%
-1.1% YoY
|
1.1%
+23.3% YoY
|
1.3%
-2.1% YoY
|
84% |
| Loan To Share |
85.2%
+5.0% YoY-2.3% QoQ
|
+5.3% |
79.8%
-2.3% YoY
|
76.3%
+0.6% YoY
|
67.4%
-1.7% YoY
|
56% |
| AMR |
$25,562
+2.5% YoY-0.6% QoQ
|
$-1K |
$26,849
+2.7% YoY
|
$24,960
+0.4% YoY
|
$19,687
+2.0% YoY
|
51% |
| CD Concentration |
21.6%
-18.4% YoY-18.0% QoQ
|
-2.8% | 24.4% | 16.6% | 19.8% | 40% |
| Indirect Auto % |
34.1%
+14.4% YoY-0.5% QoQ
|
+20.3% | 13.8% | 13.7% | 7.8% | Top 12.9% in tier |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)