BlastPoint's Credit Union Scorecard
NW PRIORITY
Charter #63315 · OR
NW PRIORITY has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Worth Ratio: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Efficiency ratio 1.82% above tier (higher cost structure)
- - Delinquency rate 0.33% above tier average
- - Member decline: -9.4% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,410
-9.4% YoY-1.2% QoQ
|
-3.7K |
15,145
-2.5% YoY
|
51,194
+9.2% YoY
|
33,913
+5.7% YoY
|
40% |
| Assets |
$249.7M
-0.9% YoY+1.9% QoQ
|
+$18.0M |
$231.7M
+0.8% YoY
|
$843.4M
+7.6% YoY
|
$578.3M
+9.0% YoY
|
63% |
| Loans |
$53.2M
-5.2% YoY-1.2% QoQ
|
$-90.9M |
$144.1M
+0.2% YoY
|
$578.4M
+10.5% YoY
|
$402.4M
+8.7% YoY
|
Bottom 7.7% in tier |
| Deposits |
$206.3M
-2.0% YoY+1.8% QoQ
|
+$5.2M |
$201.1M
+0.4% YoY
|
$722.8M
+7.3% YoY
|
$494.3M
+9.1% YoY
|
61% |
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| ROA |
0.8%
+37.3% YoY-5.1% QoQ
|
+0.0% |
0.7%
+5.1% YoY
|
0.7%
-4.2% YoY
|
0.4%
-39.2% YoY
|
55% |
| NIM |
3.4%
+19.3% YoY+5.6% QoQ
|
-0.2% |
3.6%
+4.6% YoY
|
4.0%
+4.4% YoY
|
3.8%
+4.1% YoY
|
39% |
| Efficiency Ratio |
79.8%
-2.3% YoY+2.8% QoQ
|
+1.8% |
78.0%
-1.7% YoY
|
77.9%
+0.7% YoY
|
84.6%
+2.8% YoY
|
55% |
| Delinquency Rate |
1.1%
+56.3% YoY+12.7% QoQ
|
+0.3 |
0.8%
+7.1% YoY
|
1.1%
+40.5% YoY
|
1.2%
+3.4% YoY
|
80% |
| Loan To Share |
25.8%
-3.3% YoY-2.9% QoQ
|
-44.6% |
70.4%
-0.4% YoY
|
75.8%
+1.2% YoY
|
65.6%
-1.4% YoY
|
Bottom 1.3% in tier |
| AMR |
$22,747
+7.3% YoY+2.4% QoQ
|
$-2K |
$24,918
+2.7% YoY
|
$25,270
+0.9% YoY
|
$19,920
+1.6% YoY
|
49% |
| CD Concentration |
11.4%
+0.2% YoY-0.5% QoQ
|
-12.9% | 24.3% | 16.7% | 19.8% | 50% |
| Indirect Auto % |
9.7%
+1.8% YoY+9.8% QoQ
|
-4.1% | 13.8% | 13.7% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)