BlastPoint's Credit Union Scorecard

ONPOINT COMMUNITY

Charter #62745 · OR

Large 7B-10B
33 CUs in 7B-10B nationally 1 in OR
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ONPOINT COMMUNITY has 7 strengths but faces 12 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 7.5% in tier
  • + ROA 0.26% above tier average
  • + Net Interest Margin 0.65% above tier average
  • + Strong member growth: 7.2% YoY
  • + Share Certificate Concentration (%): Top 0.0% in tier
  • + Member Growth Rate: Top 3.0% in tier
  • + Total Members: Top 3.0% in tier

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 0.0% in tier
  • - Shrinking Wallet Share: Bottom 0.0% in tier
  • - Credit Quality Pressure: Bottom 2.8% in tier
  • - Credit Risk Growth: Bottom 13.3% in tier
  • - Flatlined Growth: Bottom 60.0% in tier
  • - Indirect Auto Dependency: Bottom 100.0% in tier
  • - Efficiency ratio 1.95% above tier (higher cost structure)
  • - Delinquency rate 0.27% above tier average
  • - Deposit Growth Rate: Bottom 3.0% in tier
  • - AMR Growth Rate: Bottom 3.0% in tier
  • - Asset Growth Rate: Bottom 6.1% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 9.1% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
Members 637,073
+7.2% YoY+0.9% QoQ
 +191.2K 445,922
+0.4% YoY
 49,474
+8.2% YoY
 33,374
+5.7% YoY
 Top 6.1% in tier
Assets $9.5B
-1.7% YoY-0.8% QoQ
 +$613.8M $8.9B
+0.9% YoY
 $800.8M
+6.1% YoY
 $561.6M
+9.7% YoY
 70%
Loans $6.1B
+6.4% YoY+1.4% QoQ
 $-121.8M $6.3B
+0.8% YoY
 $554.3M
+9.3% YoY
 $397.0M
+8.8% YoY
 36%
Deposits $8.0B
-3.7% YoY-1.6% QoQ
 +$447.0M $7.5B
+1.2% YoY
 $686.9M
+6.2% YoY
 $477.3M
+9.7% YoY
 58%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 1.2%
-4.8% YoY-7.3% QoQ
 +0.3% 1.0%
+27.8% YoY
 0.6%
+1.0% YoY
 0.7%
+15.9% YoY
 70%
NIM 3.6%
+8.7% YoY+0.8% QoQ
 +0.6% 3.0%
+12.0% YoY
 3.9%
+7.3% YoY
 3.8%
+5.1% YoY
 85%
Efficiency Ratio 66.8%
+2.0% YoY+4.4% QoQ
 +1.9% 64.8%
-2.3% YoY
 79.6%
-0.7% YoY
 79.7%
-3.3% YoY
 64%
Delinquency Rate 1.0%
+58.4% YoY+14.1% QoQ
 +0.3 0.7%
+5.5% YoY
 1.1%
+23.3% YoY
 1.3%
-2.1% YoY
 76%
Loan To Share 77.0%
+10.5% YoY+3.1% QoQ
 -6.4% 83.4%
-0.6% YoY
 76.3%
+0.6% YoY
 67.4%
-1.7% YoY
 27%
AMR $22,135
-6.2% YoY-1.2% QoQ
 $-12K $34,266
-1.7% YoY
 $24,960
+0.4% YoY
 $19,687
+2.0% YoY
 Bottom 9.1% in tier
CD Concentration 1.8%
-10.7% YoY-2.1% QoQ
 -27.4% 29.1% 16.6% 19.8% Bottom 1.5% in tier
Indirect Auto % 21.4%
-11.5% YoY-4.4% QoQ
 +4.3% 17.1% 13.7% 7.8% 61%

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#5 of 54 • Top 7.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 7.16%
(Tier: 4.35%, National: 4.32%)
better than tier avg
Return on Assets: 1.22%
(Tier: 0.90%, National: 0.67%)
better than tier avg
Indirect Auto %: 21.39%
(Tier: 17.09%, National: 7.78%)
but worse than tier avg
54 of 68 Large CUs have this signature | 913 nationally
→ No prior data (54 CUs now) | New qualifier

Concerns (6)

Deposit Outflow

decline
#1 of 2 • 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): -3.68%
(Tier: 8.87%, National: 13.79%)
worse than tier avg
Member Growth (YoY): 7.16%
(Tier: 4.35%, National: 4.32%)
but better than tier avg
2 of 68 Large CUs have this signature | 91 nationally
→ No prior data (2 CUs now) | New qualifier

Shrinking Wallet Share

decline
#1 of 13 • Bottom 0.0% in tier

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

Why This Signature
AMR Growth (YoY): -6.24%
(Tier: 3.92%, National: 4.00%)
worse than tier avg
13 of 68 Large CUs have this signature | 303 nationally
→ Stable (16→13 CUs) -3 CUs YoY | New qualifier

Credit Quality Pressure

risk
#2 of 37 • Bottom 2.8% in tier

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

Why This Signature
Delinquency Change (YoY): 0.37% points
(Tier: 0.04% points, National: 0.06% points)
worse than tier avg
37 of 68 Large CUs have this signature | 969 nationally
→ Stable (41→37 CUs) -4 CUs YoY | Rank improving

Credit Risk Growth

risk
#5 of 31 • Bottom 13.3% in tier

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

Why This Signature
Loan Growth (YoY): 6.43%
(Tier: 6.96%, National: 111.96%)
worse than tier avg
Delinquency Change (YoY): 0.37% points
(Tier: 0.04% points, National: 0.06% points)
worse than tier avg
31 of 68 Large CUs have this signature | 665 nationally
→ No prior data (31 CUs now) | New qualifier

Flatlined Growth

risk
#4 of 6 • Bottom 60.0% 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): -1.71%
(Tier: 8.38%, National: 3.54%)
worse than tier avg
Return on Assets: 1.22%
(Tier: 0.90%, National: 0.67%)
but better than tier avg
6 of 68 Large CUs have this signature | 59 nationally
→ No prior data (6 CUs now) | New qualifier

Indirect Auto Dependency

risk
#35 of 35 • Bottom 100.0% in tier

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

Why This Signature
Asset Growth (YoY): -1.71%
(Tier: 8.38%, National: 3.54%)
worse than tier avg
Indirect Auto %: 21.39%
(Tier: 17.09%, National: 7.78%)
worse than tier avg
Member Growth (YoY): 7.16%
(Tier: 4.35%, National: 4.32%)
but better than tier avg
35 of 68 Large CUs have this signature | 745 nationally
→ Stable (35→35 CUs) | 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 33 peers in tier

Top Strengths (7 metrics)

1
Share Certificate Concentration (%)
balance_sheet
Value: 1.76%
Peer Median: -
#1 of 33 Top 0.0% in 7B-10B tier
2
Member Growth Rate
growth
Value: 7.16%
Peer Median: -
#2 of 33 Top 3.0% in 7B-10B tier
2
Total Members
engagement
Value: 637,073
Peer Median: -
#2 of 33 Top 3.0% in 7B-10B tier
5
Net Interest Margin (NIM)
profitability
Value: 3.61%
Peer Median: -
#5 of 33 Top 12.1% in 7B-10B tier
7
Net Worth Ratio
risk
Value: 14.28%
Peer Median: -
#7 of 33 Top 18.2% in 7B-10B tier
8
Members Per Employee (MPE)
engagement
Value: 502.820
Peer Median: -
#8 of 33 Top 21.2% in 7B-10B tier
9
Net Charge-Off Rate
risk
Value: 0.32%
Peer Median: -
#9 of 33 Top 24.2% in 7B-10B tier

Top Weaknesses (6 metrics)

33
Deposit Growth Rate
growth
Value: -3.68%
Peer Median: -
#33 of 33 Bottom 3.0% in 7B-10B tier
33
AMR Growth Rate
growth
Value: -6.24%
Peer Median: -
#33 of 33 Bottom 3.0% in 7B-10B tier
32
Asset Growth Rate
growth
Value: -1.71%
Peer Median: -
#32 of 33 Bottom 6.1% in 7B-10B tier
31
Loan-to-Member Ratio (LMR)
engagement
Value: $9,631
Peer Median: -
#31 of 33 Bottom 9.1% in 7B-10B tier
30
Average Member Relationship (AMR)
engagement
Value: $22,135
Peer Median: -
#30 of 33 Bottom 12.1% in 7B-10B tier
26
Total Delinquency Rate (60+ days)
risk
Value: 0.99%
Peer Median: -
#26 of 33 Bottom 24.2% in 7B-10B tier
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