BlastPoint's Credit Union Scorecard

ONPOINT COMMUNITY

Charter #62745 · OR

Large 7B-10B
29 CUs in 7B-10B nationally 1 in OR
View Large leaderboard →

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 0.41% above tier average
  • + Net Interest Margin 0.63% above tier average
  • + Strong member growth: 6.6% YoY
  • + Share Certificate Concentration (%): Top 0.1% in tier
  • + Total Members: Top 3.4% in tier
  • + Member Growth Rate: Top 6.9% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 4.7% in tier
  • - Credit Risk Growth: Bottom 42.2% in tier
  • - Deposit Outflow: Bottom 98.4% in tier
  • - Shrinking Wallet Share: Bottom 100.0% in tier
  • - Indirect Auto Dependency: Bottom 100.0% in tier
  • - Efficiency ratio 0.58% above tier (higher cost structure)
  • - Delinquency rate 0.35% above tier average
  • - Asset Growth Rate: Bottom 6.9% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
Members 648,972
+6.6% YoY+1.9% QoQ
 +212.1K 436,889
-2.3% YoY
 51,194
+9.2% YoY
 33,913
+5.7% YoY
 Top 6.9% in tier
Assets $9.6B
-2.4% YoY+1.1% QoQ
 +$737.1M $8.9B
-0.1% YoY
 $843.4M
+7.6% YoY
 $578.3M
+9.0% YoY
 79%
Loans $6.2B
+5.4% YoY+0.5% QoQ
 +$20.3M $6.1B
-1.1% YoY
 $578.4M
+10.5% YoY
 $402.4M
+8.7% YoY
 34%
Deposits $8.0B
-4.5% YoY+1.0% QoQ
 +$388.2M $7.7B
+1.8% YoY
 $722.8M
+7.3% YoY
 $494.3M
+9.1% YoY
 52%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA 1.4%
-1.5% YoY+10.3% QoQ
 +0.4% 0.9%
+16.3% YoY
 0.7%
-4.2% YoY
 0.4%
-39.2% YoY
 79%
NIM 3.7%
+7.5% YoY+2.0% QoQ
 +0.6% 3.1%
+6.3% YoY
 4.0%
+4.4% YoY
 3.8%
+4.1% YoY
 Top 13.8% in tier
Efficiency Ratio 66.6%
+4.2% YoY-0.2% QoQ
 +0.6% 66.1%
-2.8% YoY
 77.9%
+0.7% YoY
 84.6%
+2.8% YoY
 52%
Delinquency Rate 1.0%
+105.7% YoY-2.2% QoQ
 +0.3 0.6%
+12.0% YoY
 1.1%
+40.5% YoY
 1.2%
+3.4% YoY
 83%
Loan To Share 76.7%
+10.3% YoY-0.5% QoQ
 -3.7% 80.4%
-3.4% YoY
 75.8%
+1.2% YoY
 65.6%
-1.4% YoY
 28%
AMR $21,896
-6.6% YoY-1.1% QoQ
 $-15K $37,056
+6.8% YoY
 $25,270
+0.9% YoY
 $19,920
+1.6% YoY
 Bottom 6.9% in tier
CD Concentration 1.7%
-7.1% YoY-2.1% QoQ
 -26.9% 28.6% 16.7% 19.8% Bottom 1.5% in tier
Indirect Auto % 20.4%
-14.1% YoY-4.5% QoQ
 +4.1% 16.4% 13.7% 7.7% 59%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Shrinking Wallet Share

decline
#1 of 13 • 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): -6.63%
(Tier: 4.10%, National: 6.36%)
worse than tier avg
13 of 66 Large CUs have this signature | 335 nationally
→ Stable (14→13 CUs) -1 CUs YoY | Rank improving

Credit Quality Pressure

risk
#3 of 42 • Bottom 4.7% in tier

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

Why This Signature
Delinquency Change (YoY): 0.50% points
(Tier: 0.06% points, National: 0.12% points)
worse than tier avg
42 of 66 Large CUs have this signature | 1013 nationally
→ Stable (39→42 CUs) +3 CUs YoY | Rank improving

Credit Risk Growth

risk
#8 of 35 • Bottom 42.2% in tier

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

Why This Signature
Loan Growth (YoY): 5.39%
(Tier: 7.53%, National: 1.74%)
worse than tier avg
Delinquency Change (YoY): 0.50% points
(Tier: 0.06% points, National: 0.12% points)
worse than tier avg
35 of 66 Large CUs have this signature | 710 nationally
→ No prior data (35 CUs now) | New qualifier

Deposit Outflow

decline
#2 of 3 • 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): -4.48%
(Tier: 8.89%, National: 64.06%)
worse than tier avg
Member Growth (YoY): 6.64%
(Tier: 4.32%, National: 10.19%)
but better than tier avg
3 of 66 Large CUs have this signature | 98 nationally
→ No prior data (3 CUs now) | New qualifier

Indirect Auto Dependency

risk
#34 of 34 • 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): -2.39%
(Tier: 8.53%, National: 1663.40%)
worse than tier avg
Indirect Auto %: 20.44%
(Tier: 16.37%, National: 7.73%)
worse than tier avg
Member Growth (YoY): 6.64%
(Tier: 4.32%, National: 10.19%)
but better than tier avg
34 of 66 Large CUs have this signature | 745 nationally
→ Stable (34→34 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 29 peers in tier

Top Strengths (8 metrics)

1
Share Certificate Concentration (%)
balance_sheet
Value: 1.72%
Peer Median: 25.99%
#1 of 29 Top 0.1% in 7B-10B tier
2
Total Members
engagement
Value: 648,972
Peer Median: 421,142
#2 of 29 Top 3.4% in 7B-10B tier
3
Member Growth Rate
growth
Value: 6.64%
Peer Median: 2.73%
#3 of 29 Top 6.9% in 7B-10B tier
4
Net Interest Margin (NIM)
profitability
Value: 3.69%
Peer Median: 3.05%
#4 of 29 Top 10.3% in 7B-10B tier
4
Net Worth Ratio
risk
Value: 14.47%
Peer Median: 11.34%
#4 of 29 Top 10.3% in 7B-10B tier
6
Return on Assets (ROA)
profitability
Value: 1.35%
Peer Median: 0.92%
#6 of 29 Top 17.2% in 7B-10B tier
6
Total Assets
balance_sheet
Value: $9.65B
Peer Median: $9.14B
#6 of 29 Top 17.2% in 7B-10B tier
8
Members Per Employee (MPE)
engagement
Value: 493.140
Peer Median: 401.853
#8 of 29 Top 24.1% in 7B-10B tier

Top Weaknesses (6 metrics)

28
Asset Growth Rate
growth
Value: -2.39%
Peer Median: 3.62%
#28 of 29 Bottom 6.9% in 7B-10B tier
28
Deposit Growth Rate
growth
Value: -4.48%
Peer Median: 4.66%
#28 of 29 Bottom 6.9% in 7B-10B tier
28
AMR Growth Rate
growth
Value: -6.63%
Peer Median: 2.29%
#28 of 29 Bottom 6.9% in 7B-10B tier
28
Loan-to-Member Ratio (LMR)
engagement
Value: $9,503
Peer Median: $13,058
#28 of 29 Bottom 6.9% in 7B-10B tier
27
Average Member Relationship (AMR)
engagement
Value: $21,896
Peer Median: $30,591
#27 of 29 Bottom 10.3% in 7B-10B tier
25
Total Delinquency Rate (60+ days)
risk
Value: 0.97%
Peer Median: 0.62%
#25 of 29 Bottom 17.2% in 7B-10B tier
Link copied to clipboard!