BlastPoint's Credit Union Scorecard
CENTRAL WILLAMETTE
Charter #62665 · OR
CENTRAL WILLAMETTE has 5 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 30.2% in tier
- + Wallet Share Momentum: Top 69.8% in tier
- + Net Interest Margin 0.64% above tier average
- + Loan Growth Rate: Top 5.9% in tier
- + First Mortgage Concentration (%): Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 18.9% in tier
- - ROA 0.05% below tier average
- - Delinquency rate 0.33% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
37,946
+1.6% YoY+0.8% QoQ
|
-1.8K |
39,752
-2.7% YoY
|
48,799
+9.4% YoY
|
33,089
+6.1% YoY
|
49% |
| Assets |
$609.1M
+2.3% YoY+0.9% QoQ
|
$-13.3M |
$622.4M
+0.3% YoY
|
$801.2M
+7.5% YoY
|
$547.7M
+7.8% YoY
|
44% |
| Loans |
$454.4M
+16.2% YoY+2.2% QoQ
|
+$18.5M |
$435.9M
-0.4% YoY
|
$546.0M
+10.9% YoY
|
$388.7M
+8.6% YoY
|
59% |
| Deposits |
$521.3M
+1.7% YoY+0.8% QoQ
|
$-16.7M |
$538.0M
+1.3% YoY
|
$683.7M
+7.5% YoY
|
$464.6M
+9.3% 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 |
0.6%
+6.0% YoY-11.1% QoQ
|
-0.1% |
0.7%
+33.9% YoY
|
0.7%
+15.2% YoY
|
0.7%
+273.4% YoY
|
49% |
| NIM |
4.1%
+13.3% YoY+0.4% QoQ
|
+0.6% |
3.4%
+8.6% YoY
|
3.9%
+7.2% YoY
|
3.7%
+5.0% YoY
|
Top 10.7% in tier |
| Efficiency Ratio |
75.2%
-3.0% YoY-0.5% QoQ
|
-2.9% |
78.1%
-3.4% YoY
|
76.2%
-3.6% YoY
|
79.1%
-3.3% YoY
|
33% |
| Delinquency Rate |
1.1%
-21.1% YoY+2.6% QoQ
|
+0.3 |
0.8%
-4.9% YoY
|
0.9%
-6.6% YoY
|
1.2%
-0.9% YoY
|
80% |
| Loan To Share |
87.2%
+14.3% YoY+1.4% QoQ
|
+6.1% |
81.0%
-1.8% YoY
|
76.2%
+0.8% YoY
|
68.0%
-1.7% YoY
|
60% |
| AMR |
$25,715
+6.3% YoY+0.7% QoQ
|
$-766 |
$26,482
+2.6% YoY
|
$25,038
+0.5% YoY
|
$19,418
+1.3% YoY
|
54% |
| CD Concentration |
26.4%
-5.9% YoY+3.9% QoQ
|
+2.0% |
24.4%
+4.2% YoY
|
16.6%
+1.3% YoY
|
19.6%
+6.2% YoY
|
57% |
| Indirect Auto % |
34.3%
+4.4% YoY+3.0% QoQ
|
+20.3% |
14.0%
-5.7% YoY
|
13.9%
-0.5% YoY
|
7.9%
-2.9% YoY
|
Top 13.3% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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)