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BlastPoint's Credit Union Scorecard

ONPOINT COMMUNITY

Charter #62745 · OR

Large 7B-10B
28 CUs in 7B-10B nationally 1 in OR
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ONPOINT COMMUNITY has 6 strengths but faces 8 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

  • + ROA 0.37% above tier average
  • + Net Interest Margin 0.70% above tier average
  • + Strong member growth: 7.0% YoY
  • + Share Certificate Concentration (%): Top 0.1% in tier
  • + Member Growth Rate: Top 3.6% in tier
  • + Total Members: Top 3.6% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 18.8% in tier
  • - Credit Risk Growth: Bottom 39.1% in tier
  • - Indirect Auto Dependency: Bottom 96.9% in tier
  • - Deposit Outflow: Bottom 98.4% in tier
  • - Shrinking Wallet Share: Bottom 100.0% in tier
  • - Efficiency ratio 0.78% above tier (higher cost structure)
  • - Delinquency rate 0.18% above tier average
  • - Asset Growth Rate: Bottom 7.1% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • One of 28 credit unions with $7B-$10B in assets nationally, and 1 of 1 that size in Oregon.
  • Shares and deposits -2.4% year over year ($7.89B in shares and deposits).
  • Membership: 661,823 members, +7.0% vs a year ago.
  • Delinquency rate 0.98%.
  • Return on assets 1.40%.
  • Efficiency ratio 66.85% vs a 66.07% peer average.
  • Loan-to-share ratio 79.99% vs a 81.29% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
Members 661,823
+7.0% YoY+2.0% QoQ
 +222.9K 438,885
-1.1% YoY
 51,821
+9.3% YoY
 34,678
+6.6% YoY
 Top 7.1% in tier
Assets $9.5B
-0.3% YoY-1.2% QoQ
 +$613.5M $8.9B
+0.0% YoY
 $850.7M
+8.9% YoY
 $593.1M
+10.2% YoY
 64%
Loans $6.3B
+5.9% YoY+2.3% QoQ
 +$91.1M $6.2B
-0.6% YoY
 $590.7M
+10.5% YoY
 $418.6M
+10.1% YoY
 36%
Deposits $7.9B
-2.4% YoY-2.0% QoQ
 +$228.7M $7.7B
+2.7% YoY
 $725.1M
+8.5% YoY
 $504.8M
+10.3% YoY
 54%

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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 1.4%
+15.4% YoY+3.4% QoQ
 +0.4% 1.0%
+4.7% YoY
 0.8%
+19.1% YoY
 1.2%
+121.4% YoY
 82%
NIM 3.8%
+7.8% YoY+2.4% QoQ
 +0.7% 3.1%
+6.6% YoY
 4.0%
+5.3% YoY
 3.8%
+2.3% YoY
 Top 14.3% in tier
Efficiency Ratio 66.9%
+4.1% YoY+0.3% QoQ
 +0.8% 66.1%
+1.6% YoY
 78.0%
+0.7% YoY
 83.0%
-5.3% YoY
 57%
Delinquency Rate 1.0%
+30.4% YoY+0.6% QoQ
 +0.2 0.8%
+23.1% YoY
 1.1%
+29.8% YoY
 1.3%
+2.6% YoY
 68%
Loan To Share 80.0%
+8.5% YoY+4.3% QoQ
 -1.3% 81.3%
-3.8% YoY
 76.6%
+0.5% YoY
 66.4%
-1.4% YoY
 32%
AMR $21,444
-5.5% YoY-2.1% QoQ
 $-16K $37,279
+8.1% YoY
 $25,405
+1.6% YoY
 $20,028
-0.9% YoY
 Bottom 3.6% in tier
CD Concentration 1.7%
-7.9% YoY+0.3% QoQ
 -26.6% 28.3% 16.7% 20.0% Bottom 1.5% in tier
Indirect Auto % 20.2%
-12.5% YoY-1.2% QoQ
 +3.4% 16.8% 13.6% 7.7% 58%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Shrinking Wallet Share

decline
#1 of 11 • Bottom 100.0% in tier

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

Why This Signature
AMR Growth (YoY): -5.47%
(Tier: 4.16%, National: 35.20%)
worse than tier avg
11 of 67 Large CUs have this signature | 308 nationally
→ Stable (11→11 CUs)

Credit Risk Growth

risk
#8 of 28 • Bottom 39.1% in tier

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

Why This Signature
Loan Growth (YoY): 5.90%
(Tier: 7.79%, National: 78.26%)
worse than tier avg
Delinquency Change (YoY): 0.23% points
(Tier: 0.07% points, National: 0.08% points)
worse than tier avg
28 of 67 Large CUs have this signature | 688 nationally
→ Stable (31→28 CUs) -3 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#12 of 33 • Bottom 18.8% in tier

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

Why This Signature
Delinquency Change (YoY): 0.23% points
(Tier: 0.07% points, National: 0.08% points)
worse than tier avg
33 of 67 Large CUs have this signature | 962 nationally
→ Stable (37→33 CUs) -4 CUs YoY

Deposit Outflow

decline
#2 of 2 • Bottom 98.4% 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): -2.38%
(Tier: 8.94%, National: 100.69%)
worse than tier avg
Member Growth (YoY): 6.99%
(Tier: 4.24%, National: 15.67%)
but better than tier avg
2 of 67 Large CUs have this signature | 109 nationally
→ Stable (2→2 CUs) | New qualifier

Indirect Auto Dependency

risk
#35 of 35 • Bottom 96.9% in tier

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

Why This Signature
Asset Growth (YoY): -0.31%
(Tier: 8.71%, National: 3.30%)
worse than tier avg
Indirect Auto %: 20.20%
(Tier: 16.81%, National: 7.71%)
worse than tier avg
Member Growth (YoY): 6.99%
(Tier: 4.24%, National: 15.67%)
but better than tier avg
35 of 67 Large CUs have this signature | 714 nationally
→ Stable (33→35 CUs) +2 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 28 peers in tier

Top Strengths (7 metrics)

1
Share Certificate Concentration (%)
balance_sheet
Value: 1.73%
Peer Median: 26.96%
#1 of 28 Top 0.1% in 7B-10B tier
2
Member Growth Rate
growth
Value: 6.99%
Peer Median: 2.28%
#2 of 28 Top 3.6% in 7B-10B tier
2
Total Members
engagement
Value: 661,823
Peer Median: 451,813
#2 of 28 Top 3.6% in 7B-10B tier
4
Net Interest Margin (NIM)
profitability
Value: 3.78%
Peer Median: 3.12%
#4 of 28 Top 10.7% in 7B-10B tier
4
Net Worth Ratio
risk
Value: 15.00%
Peer Median: 11.61%
#4 of 28 Top 10.7% in 7B-10B tier
5
Return on Assets (ROA)
profitability
Value: 1.40%
Peer Median: 1.12%
#5 of 28 Top 14.3% in 7B-10B tier
7
Members Per Employee (MPE)
engagement
Value: 498.736
Peer Median: 394.254
#7 of 28 Top 21.4% in 7B-10B tier

Top Weaknesses (5 metrics)

27
Asset Growth Rate
growth
Value: -0.31%
Peer Median: 4.49%
#27 of 28 Bottom 7.1% in 7B-10B tier
27
Deposit Growth Rate
growth
Value: -2.38%
Peer Median: 5.19%
#27 of 28 Bottom 7.1% in 7B-10B tier
27
AMR Growth Rate
growth
Value: -5.47%
Peer Median: 3.49%
#27 of 28 Bottom 7.1% in 7B-10B tier
27
Average Member Relationship (AMR)
engagement
Value: $21,444
Peer Median: $31,495
#27 of 28 Bottom 7.1% in 7B-10B tier
27
Loan-to-Member Ratio (LMR)
engagement
Value: $9,530
Peer Median: $13,051
#27 of 28 Bottom 7.1% in 7B-10B tier
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