BlastPoint's Credit Union Scorecard

ONPOINT COMMUNITY

Charter #62745 · OR

Large 7B-10B

30 CUs in 7B-10B nationally 1 in OR

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ONPOINT COMMUNITY has 8 strengths but faces 11 concerns

National Analysis

How does the industry compare?

Large Tier

What's your peer group doing?

OR Analysis

How does OR stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 2.7% in tier
+ Profitability Leader: Top 93.3% in tier
+ ROA 0.29% above tier average
+ Net Interest Margin 0.58% above tier average
+ Strong member growth: 7.9% YoY
+ Share Certificate Concentration (%): Top 0.0% in tier
+ Member Growth Rate: Top 3.3% in tier
+ Total Members: Top 10.0% in tier

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 0.0% in tier
- Deposit Outflow: Bottom 0.0% in tier
- Credit Quality Pressure: Bottom 1.6% in tier
- Shrinking Wallet Share: Bottom 2.1% in tier
- Margin Compression: Bottom 4.8% in tier
- Credit Risk Growth: Bottom 6.2% in tier
- Indirect Auto Dependency: Bottom 30.3% in tier
- Efficiency ratio 0.20% above tier (higher cost structure)
- Delinquency rate 0.20% above tier average
- Deposit Growth Rate: Bottom 6.7% in tier
- AMR Growth Rate: Bottom 6.7% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Members	631,292 +7.9% YoY+2.1% QoQ	+172.0K	459,296 +3.8% YoY	48,799 +9.4% YoY	33,089 +6.1% YoY	Top 13.3% in tier
Assets	$9.6B -0.6% YoY+0.7% QoQ	+$703.4M	$8.9B +1.2% YoY	$801.2M +7.5% YoY	$547.7M +7.8% YoY	73%
Loans	$6.0B +6.4% YoY+1.6% QoQ	$-292.6M	$6.3B +2.9% YoY	$546.0M +10.9% YoY	$388.7M +8.6% YoY	33%
Deposits	$8.1B -2.0% YoY+0.2% QoQ	+$642.1M	$7.5B +2.3% YoY	$683.7M +7.5% YoY	$464.6M +9.3% YoY	73%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.3% -10.5% YoY+9.2% QoQ	+0.3%	1.0% +22.1% YoY	0.7% +15.2% YoY	0.7% +273.4% YoY	63%
NIM	3.6% +7.2% YoY+2.4% QoQ	+0.6%	3.0% +11.5% YoY	3.9% +7.2% YoY	3.7% +5.0% YoY	Top 13.3% in tier
Efficiency Ratio	63.9% +2.5% YoY-0.4% QoQ	+0.2%	63.7% -2.2% YoY	76.2% -3.6% YoY	79.1% -3.3% YoY	57%
Delinquency Rate	0.9% +58.6% YoY+16.1% QoQ	+0.2	0.7% +10.8% YoY	0.9% -6.6% YoY	1.2% -0.9% YoY	67%
Loan To Share	74.7% +8.6% YoY+1.3% QoQ	-10.7%	85.4% +0.7% YoY	76.2% +0.8% YoY	68.0% -1.7% YoY	23%
AMR	$22,406 -6.0% YoY-1.2% QoQ	$-11K	$33,660 -2.9% YoY	$25,038 +0.5% YoY	$19,418 +1.3% YoY	17%
CD Concentration	1.8% -15.2% YoY-4.3% QoQ	-27.1%	28.9% -1.3% YoY	16.6% +1.3% YoY	19.6% +6.2% YoY	Bottom 1.6% in tier
Indirect Auto %	22.4% -8.0% YoY-3.0% QoQ	+5.8%	16.6% -10.3% YoY	13.9% -0.5% YoY	7.9% -2.9% YoY	66%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#5 of 50 • Top 2.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 7.88%

(Tier: 3.07%, National: 9.37%)

better than tier avg

Return on Assets: 1.32%

(Tier: 0.91%, National: 0.71%)

better than tier avg

Indirect Auto %: 22.38%

(Tier: 16.60%, National: 7.90%)

but worse than tier avg

50 of 64 Large CUs have this signature | 917 nationally

→ Stable (52→50 CUs) -2 CUs YoY

Profitability Leader

growth

#15 of 16 • Top 93.3% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.32%

(Tier: 0.91%, National: 0.71%)

better than tier avg

ROA Change (YoY): -0.16% points

(Tier: 0.13% points, National: 0.05% points)

but worse than tier avg

16 of 64 Large CUs have this signature | 457 nationally

→ Stable (15→16 CUs) +1 CUs YoY | Rank worsening

Concerns (7)

Flatlined Growth

risk

#1 of 6 • Bottom 0.0% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): -0.57%

(Tier: 4.60%, National: 3.04%)

worse than tier avg

Return on Assets: 1.32%

(Tier: 0.91%, National: 0.71%)

but better than tier avg

6 of 64 Large CUs have this signature | 82 nationally

→ Stable (3→6 CUs) +3 CUs YoY | New qualifier

Deposit Outflow

decline

#1 of 3 • Bottom 0.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -2.05%

(Tier: 6.42%, National: 12.00%)

worse than tier avg

Member Growth (YoY): 7.88%

(Tier: 3.07%, National: 9.37%)

but better than tier avg

3 of 64 Large CUs have this signature | 109 nationally

→ Stable (4→3 CUs) -1 CUs YoY | New qualifier

Credit Quality Pressure

risk

#3 of 34 • Bottom 1.6% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.32% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

34 of 64 Large CUs have this signature | 1002 nationally

↓ Shrinking -17 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#2 of 15 • Bottom 2.1% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -6.02%

(Tier: 2.82%, National: 4.19%)

worse than tier avg

15 of 64 Large CUs have this signature | 346 nationally

↓ Shrinking -6 CUs YoY | New qualifier

Margin Compression

decline

#2 of 8 • Bottom 4.8% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.32%

(Tier: 0.91%, National: 0.71%)

but better than tier avg

ROA (Prior Year): 1.48%

(Tier: 0.78%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -0.16% points

(Tier: 0.13% points, National: 0.05% points)

worse than tier avg

8 of 64 Large CUs have this signature | 169 nationally

→ Stable (8→8 CUs) | New qualifier

Credit Risk Growth

risk

#7 of 25 • Bottom 6.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 6.39%

(Tier: 4.99%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.32% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

25 of 64 Large CUs have this signature | 646 nationally

↓ Shrinking -13 CUs YoY

Indirect Auto Dependency

risk

#31 of 33 • Bottom 30.3% in tier

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

Why This Signature

Asset Growth (YoY): -0.57%

(Tier: 4.60%, National: 3.04%)

worse than tier avg

Indirect Auto %: 22.38%

(Tier: 16.60%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 7.88%

(Tier: 3.07%, National: 9.37%)

but better than tier avg

33 of 64 Large CUs have this signature | 768 nationally

→ Stable (34→33 CUs) -1 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)

Compare against:

Comparing against 30 peers in tier

Top Strengths (8 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 1.80%

Peer Avg: -

#1 of 30 Top 0.0% in 7B-10B tier

Member Growth Rate

growth

Value: 7.88%

Peer Avg: -

#2 of 30 Top 3.3% in 7B-10B tier

Net Interest Margin (NIM)

profitability

Value: 3.58%

Peer Avg: -

#4 of 30 Top 10.0% in 7B-10B tier

Total Members

engagement

Value: 631,292

Peer Avg: -

#4 of 30 Top 10.0% in 7B-10B tier

Net Worth Ratio

risk

Value: 13.97%

Peer Avg: -

#7 of 30 Top 20.0% in 7B-10B tier

Net Charge-Off Rate

risk

Value: 0.32%

Peer Avg: -

#8 of 30 Top 23.3% in 7B-10B tier

Total Assets

balance_sheet

Value: $9.62B

Peer Avg: -

#8 of 30 Top 23.3% in 7B-10B tier

Total Deposits

balance_sheet

Value: $8.10B

Peer Avg: -

#8 of 30 Top 23.3% in 7B-10B tier

Top Weaknesses (5 metrics)

Deposit Growth Rate

growth

Value: -2.05%

Peer Avg: -

#29 of 30 Bottom 6.7% in 7B-10B tier

AMR Growth Rate

growth

Value: -6.02%

Peer Avg: -

#29 of 30 Bottom 6.7% in 7B-10B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $9,581

Peer Avg: -

#27 of 30 Bottom 13.3% in 7B-10B tier

Asset Growth Rate

growth

Value: -0.57%

Peer Avg: -

#26 of 30 Bottom 16.7% in 7B-10B tier

Average Member Relationship (AMR)

engagement

Value: $22,406

Peer Avg: -

#25 of 30 Bottom 20.0% in 7B-10B tier