BlastPoint's Credit Union Scorecard
SELCO COMMUNITY
Charter #63196 · OR
SELCO COMMUNITY has 3 strengths but faces 3 concerns
How does the industry compare?
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How does OR stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Total Assets: Top 0.1% in tier
- + Total Deposits: Top 0.1% in tier
- + Total Loans: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 46.3% in tier
- - ROA 0.13% below tier average
- - Efficiency ratio 3.87% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
151,475
+0.3% YoY+0.2% QoQ
|
+55.4K |
96,048
-2.7% YoY
|
51,194
+9.2% YoY
|
33,913
+5.7% YoY
|
Top 11.4% in tier |
| Assets |
$3.0B
+5.4% YoY+2.9% QoQ
|
+$1.3B |
$1.7B
+0.4% YoY
|
$843.4M
+7.6% YoY
|
$578.3M
+9.0% YoY
|
Top 0.3% in tier |
| Loans |
$1.9B
+1.0% YoY+0.3% QoQ
|
+$719.8M |
$1.2B
+0.2% YoY
|
$578.4M
+10.5% YoY
|
$402.4M
+8.7% YoY
|
Top 9.5% in tier |
| Deposits |
$2.6B
+4.9% YoY+3.6% QoQ
|
+$1.2B |
$1.5B
+0.5% YoY
|
$722.8M
+7.3% YoY
|
$494.3M
+9.1% YoY
|
Top 0.3% in tier |
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| ROA |
0.6%
-9.2% YoY-29.1% QoQ
|
-0.1% |
0.7%
+27.6% YoY
|
0.7%
-4.2% YoY
|
0.4%
-39.2% YoY
|
43% |
| NIM |
3.0%
+1.8% YoY-1.5% QoQ
|
-0.3% |
3.4%
+6.2% YoY
|
4.0%
+4.4% YoY
|
3.8%
+4.1% YoY
|
25% |
| Efficiency Ratio |
78.5%
+3.6% YoY+12.1% QoQ
|
+3.9% |
74.6%
-3.0% YoY
|
77.9%
+0.7% YoY
|
84.6%
+2.8% YoY
|
65% |
| Delinquency Rate |
0.5%
-29.3% YoY-4.4% QoQ
|
-0.3 |
0.8%
+6.9% YoY
|
1.1%
+40.5% YoY
|
1.2%
+3.4% YoY
|
32% |
| Loan To Share |
73.4%
-3.7% YoY-3.2% QoQ
|
-9.8% |
83.2%
-0.4% YoY
|
75.8%
+1.2% YoY
|
65.6%
-1.4% YoY
|
21% |
| AMR |
$30,151
+2.8% YoY+2.0% QoQ
|
+$499 |
$29,652
+2.3% YoY
|
$25,270
+0.9% YoY
|
$19,920
+1.6% YoY
|
60% |
| CD Concentration |
25.2%
-7.6% YoY+0.6% QoQ
|
-3.7% | 28.8% | 16.7% | 19.8% | 35% |
| Indirect Auto % |
37.5%
-5.4% YoY-0.6% QoQ
|
+19.5% | 18.1% | 13.7% | 7.7% | Bottom 12.8% 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)