BlastPoint's Credit Union Scorecard
SELCO COMMUNITY
Charter #63196 · OR
SELCO COMMUNITY has 3 strengths but faces 1 concern
How does the industry compare?
What's your peer group doing?
How does OR stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.15% above tier average
- + Total Deposits: Top 1.0% in tier
- + Total Assets: Top 2.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 28.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
151,172
+0.1% YoY-0.4% QoQ
|
+53.7K |
97,431
-2.4% YoY
|
49,474
+8.2% YoY
|
33,374
+5.7% YoY
|
Top 11.3% in tier |
| Assets |
$2.9B
+4.6% YoY+0.6% QoQ
|
+$1.2B |
$1.7B
+0.9% YoY
|
$800.8M
+6.1% YoY
|
$561.6M
+9.7% YoY
|
Top 2.6% in tier |
| Loans |
$1.9B
+0.4% YoY-0.2% QoQ
|
+$692.4M |
$1.2B
+0.5% YoY
|
$554.3M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
Top 10.9% in tier |
| Deposits |
$2.5B
+3.3% YoY+0.5% QoQ
|
+$1.1B |
$1.5B
+0.9% YoY
|
$686.9M
+6.2% YoY
|
$477.3M
+9.7% YoY
|
Top 1.3% in tier |
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| ROA |
0.8%
+2.5% YoY-16.4% QoQ
|
+0.1% |
0.7%
+20.9% YoY
|
0.6%
+1.0% YoY
|
0.7%
+15.9% YoY
|
65% |
| NIM |
3.1%
+6.8% YoY+0.5% QoQ
|
-0.2% |
3.3%
+9.2% YoY
|
3.9%
+7.3% YoY
|
3.8%
+5.1% YoY
|
30% |
| Efficiency Ratio |
70.0%
-2.7% YoY+2.9% QoQ
|
-4.0% |
74.1%
-9.5% YoY
|
79.6%
-0.7% YoY
|
79.7%
-3.3% YoY
|
32% |
| Delinquency Rate |
0.5%
-3.9% YoY-18.8% QoQ
|
-0.4 |
0.9%
+6.2% YoY
|
1.1%
+23.3% YoY
|
1.3%
-2.1% YoY
|
26% |
| Loan To Share |
75.8%
-2.9% YoY-0.7% QoQ
|
-9.0% |
84.8%
-0.8% YoY
|
76.3%
+0.6% YoY
|
67.4%
-1.7% YoY
|
23% |
| AMR |
$29,559
+1.9% YoY+0.5% QoQ
|
+$130 |
$29,428
+2.4% YoY
|
$24,960
+0.4% YoY
|
$19,687
+2.0% YoY
|
60% |
| CD Concentration |
25.0%
-7.9% YoY-0.9% QoQ
|
-4.0% | 29.0% | 16.6% | 19.8% | 33% |
| Indirect Auto % |
37.8%
-5.3% YoY-1.7% QoQ
|
+19.5% | 18.3% | 13.7% | 7.8% | Top 13.0% in tier |
Signature Analysis
Strengths (0)
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)