CENTRAL WILLAMETTE

Charter #62665 | OR

500M-750M (169 CUs) Community (281 CUs)
3 500M-750M in OR

CENTRAL WILLAMETTE has 6 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 6.1% in tier
  • + Wallet Share Momentum: Top 12.2% in tier
  • + Organic Growth Engine: Top 30.2% 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
  • - Liquidity Overhang: Bottom 25.8% 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
 49th in tier
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
 44th in tier
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
 59th in tier
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
 42nd in tier
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
 49th in tier
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
 33rd in tier
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
 Top 20.1% in tier
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
 60th in tier
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
 54th in tier
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
 57th in tier
Indirect Auto % 34.3%
+4.4% YoY+3.0% QoQ
 +20.3% 14.0%
-5.8% YoY
 13.9%
-0.5% YoY
 7.9%
-2.9% YoY
 Top 13.3% in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#168 of 1006 • Top 6.1% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 6.30%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.4K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Wallet Share Momentum

growth
#336 of 1006 • Top 12.2% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 6.30%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Organic Growth Engine

growth
#553 of 603 • Top 30.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.58%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.61%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 34.27%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Concerns (2)

Indirect Auto Dependency

risk
#305 of 525 • Bottom 18.9% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 2.26%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 34.27%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 1.58%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Liquidity Overhang

risk
#400 of 552 • Bottom 25.8% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.95%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 87.17%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

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)

Comparing against 169 peers in tier

Top Strengths (5 metrics)

11
Loan Growth Rate
growth
Value: 16.20%
Peer Avg: 4.04%
#11 of 169 Top 5.9% in 500M-750M tier
13
First Mortgage Concentration (%)
balance_sheet
Value: 13.44%
Peer Avg: 33.53%
#13 of 169 Top 7.1% in 500M-750M tier
18
Net Interest Margin (NIM)
profitability
Value: 4.07%
Peer Avg: 3.43%
#18 of 169 Top 10.1% in 500M-750M tier
21
Net Worth Ratio
risk
Value: 13.95%
Peer Avg: 10.94%
#21 of 169 Top 11.8% in 500M-750M tier
42
AMR Growth Rate
growth
Value: 6.30%
Peer Avg: 3.12%
#42 of 169 Top 24.3% in 500M-750M tier

Top Weaknesses (4 metrics)

149
Net Charge-Off Rate
risk
Value: 0.98%
Peer Avg: 0.51%
#149 of 169 Bottom 12.4% in 500M-750M tier
144
Indirect Auto Concentration (%)
balance_sheet
Value: 34.27%
Peer Avg: 16.19%
#144 of 169 Bottom 15.4% in 500M-750M tier
141
Members Per Employee (MPE)
engagement
Value: 252.973
Peer Avg: 338.010
#141 of 169 Bottom 17.2% in 500M-750M tier
136
Total Delinquency Rate (60+ days)
risk
Value: 1.13%
Peer Avg: 0.80%
#136 of 169 Bottom 20.1% in 500M-750M tier