ONPOINT COMMUNITY
Charter #62745 | OR
7B-10B
(30 CUs)
Large
($5B-$10B)
(64 CUs)
1 7B-10B in OR
ONPOINT COMMUNITY has 7 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 2.7% 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
- - Deposit Outflow: Bottom 0.0% in tier
- - Flatlined Growth: 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
- - Growth-at-Risk: Bottom 6.2% in tier
- - Liquidity Overhang: Bottom 18.2% 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
|
73rd in tier |
| 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
|
33rd in tier |
| 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
|
73rd in tier |
| 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
|
63rd in tier |
| 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
|
57th in tier |
| 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
|
67th in tier |
| 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
|
Bottom 23.3% in tier |
| 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
|
Bottom 16.7% in tier |
| 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
|
66th in tier |
Signature Analysis
Strengths (1)
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%)
Return on Assets:
1.32%
(Tier:
0.91%, National:
0.71%)
Indirect Auto %:
22.38%
(Tier:
16.60%, National:
7.90%)
50 of 64 Large CUs have this signature
| 917 nationally
→ Stable (52→50 CUs)
-2 CUs YoY
Concerns (8)
Deposit Outflow
decline
#1 of 3 • Bottom 0.0% in tier
Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.
Why This Signature
Deposit Growth (YoY):
-2.05%
(Tier:
6.42%, National:
12.00%)
Total Assets:
$9.62B
(Tier: $8.92B, National: $547.69M)
3 of 64 Large CUs have this signature
| 143 nationally
→ Stable (4→3 CUs)
-1 CUs YoY
|
New qualifier
Flatlined Growth
risk
#1 of 6 • Bottom 0.0% in tier
Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.
Why This Signature
Total Assets:
$9.62B
(Tier: $8.92B, National: $547.69M)
Asset Growth (YoY):
-0.57%
(Tier:
4.60%, National:
3.04%)
Return on Assets:
1.32%
(Tier:
0.91%, National:
0.71%)
6 of 64 Large CUs have this signature
| 82 nationally
→ Stable (3→6 CUs)
+3 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)
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%)
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
Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.
Why This Signature
Return on Assets:
1.32%
(Tier:
0.91%, National:
0.71%)
ROA Change (YoY):
-0.16% points
(Tier:
0.13% points, National:
0.05% points)
Total Assets:
$9.62B
(Tier: $8.92B, National: $547.69M)
8 of 64 Large CUs have this signature
| 169 nationally
→ Stable (8→8 CUs)
|
New qualifier
Growth-at-Risk
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%)
Delinquency Change (YoY):
0.32% points
(Tier:
0.04% points, National:
0.07% points)
25 of 64 Large CUs have this signature
| 646 nationally
↓ Shrinking
-13 CUs YoY
Liquidity Overhang
risk
#11 of 24 • Bottom 18.2% 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:
13.97%
(Tier:
11.62%, National:
14.51%)
Loan-to-Share Ratio:
74.71%
(Tier:
84.48%, National:
67.96%)
24 of 64 Large CUs have this signature
| 691 nationally
↑ Growing
+7 CUs YoY
|
Rank worsening
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%)
Indirect Auto %:
22.38%
(Tier:
16.60%, National:
7.90%)
Member Growth (YoY):
7.88%
(Tier:
3.07%, National:
9.37%)
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)
Top Strengths (8 metrics)
1
Share Certificate Concentration (%)
balance_sheet
Value:
1.80%
Peer Avg: 26.92%
#1 of 30
Top 0.0% in 7B-10B tier
2
Member Growth Rate
growth
Value:
7.88%
Peer Avg: 2.85%
#2 of 30
Top 3.3% in 7B-10B tier
4
Net Interest Margin (NIM)
profitability
Value:
3.58%
Peer Avg: 3.00%
#4 of 30
Top 10.0% in 7B-10B tier
4
Total Members
engagement
Value:
631,292
Peer Avg: 459,296
#4 of 30
Top 10.0% in 7B-10B tier
7
Net Worth Ratio
risk
Value:
13.97%
Peer Avg: 12.36%
#7 of 30
Top 20.0% in 7B-10B tier
8
Net Charge-Off Rate
risk
Value:
0.32%
Peer Avg: 0.56%
#8 of 30
Top 23.3% in 7B-10B tier
8
Total Assets
balance_sheet
Value:
$9.62B
Peer Avg: $8.92B
#8 of 30
Top 23.3% in 7B-10B tier
8
Total Deposits
balance_sheet
Value:
$8.10B
Peer Avg: $7.45B
#8 of 30
Top 23.3% in 7B-10B tier
Top Weaknesses (5 metrics)
29
Deposit Growth Rate
growth
Value:
-2.05%
Peer Avg: 4.48%
#29 of 30
Bottom 6.7% in 7B-10B tier
29
AMR Growth Rate
growth
Value:
-6.02%
Peer Avg: 1.77%
#29 of 30
Bottom 6.7% in 7B-10B tier
27
Loan-to-Member Ratio (LMR)
engagement
Value:
$9,581
Peer Avg: $15,544
#27 of 30
Bottom 13.3% in 7B-10B tier
26
Asset Growth Rate
growth
Value:
-0.57%
Peer Avg: 2.91%
#26 of 30
Bottom 16.7% in 7B-10B tier
25
Average Member Relationship (AMR)
engagement
Value:
$22,406
Peer Avg: $33,660
#25 of 30
Bottom 20.0% in 7B-10B tier