BlastPoint's Credit Union Scorecard
NW PRIORITY
Charter #63315 · OR
NW PRIORITY has 3 strengths but faces 15 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 90.8% in tier
- + ROA 0.05% above tier average
- + Net Worth Ratio: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 3.1% in tier
- - Membership Headwinds: Bottom 9.4% in tier
- - Institutional Decline: Bottom 9.6% in tier
- - Credit Quality Pressure: Bottom 17.9% in tier
- - Liquidity Overhang: Bottom 29.8% in tier
- - Efficiency ratio 0.68% above tier (higher cost structure)
- - Delinquency rate 0.09% above tier average
- - Member decline: -8.8% YoY
- - Loan-to-Share Ratio: Bottom 1.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.2% in tier
- - Member Growth Rate: Bottom 4.4% in tier
- - Deposit Growth Rate: Bottom 6.5% in tier
- - Total Loans: Bottom 6.7% in tier
- - Loan Growth Rate: Bottom 7.3% in tier
- - Asset Growth Rate: Bottom 8.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,546
-8.8% YoY-3.7% QoQ
|
-3.9K |
15,437
-2.9% YoY
|
49,474
+8.2% YoY
|
33,374
+5.7% YoY
|
40% |
| Assets |
$245.1M
-2.0% YoY-0.4% QoQ
|
+$13.2M |
$231.9M
+1.3% YoY
|
$800.8M
+6.1% YoY
|
$561.6M
+9.7% YoY
|
62% |
| Loans |
$53.9M
-6.8% YoY-1.9% QoQ
|
$-93.5M |
$147.3M
-0.1% YoY
|
$554.3M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
Bottom 6.6% in tier |
| Deposits |
$202.7M
-3.0% YoY-0.4% QoQ
|
+$1.9M |
$200.8M
+0.8% YoY
|
$686.9M
+6.2% YoY
|
$477.3M
+9.7% YoY
|
60% |
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| ROA |
0.8%
+278.5% YoY+5.4% QoQ
|
+0.0% |
0.8%
+18.2% YoY
|
0.6%
+1.0% YoY
|
0.7%
+15.9% YoY
|
54% |
| NIM |
3.3%
+36.9% YoY+3.4% QoQ
|
-0.3% |
3.6%
+6.7% YoY
|
3.9%
+7.3% YoY
|
3.8%
+5.1% YoY
|
30% |
| Efficiency Ratio |
77.7%
-15.1% YoY-0.2% QoQ
|
+0.7% |
77.0%
-3.1% YoY
|
79.6%
-0.7% YoY
|
79.7%
-3.3% YoY
|
52% |
| Delinquency Rate |
1.0%
+100.3% YoY+82.0% QoQ
|
+0.1 |
0.9%
+4.2% YoY
|
1.1%
+23.3% YoY
|
1.3%
-2.1% YoY
|
68% |
| Loan To Share |
26.6%
-3.9% YoY-1.5% QoQ
|
-45.7% |
72.2%
-1.1% YoY
|
76.3%
+0.6% YoY
|
67.4%
-1.7% YoY
|
Bottom 1.2% in tier |
| AMR |
$22,221
+5.4% YoY+3.1% QoQ
|
$-2K |
$24,676
+3.4% YoY
|
$24,960
+0.4% YoY
|
$19,687
+2.0% YoY
|
48% |
| CD Concentration |
11.4%
-1.6% YoY+7.5% QoQ
|
-13.0% | 24.4% | 16.6% | 19.8% | 50% |
| Indirect Auto % |
8.9%
-12.0% YoY+0.8% QoQ
|
-4.9% | 13.8% | 13.7% | 7.8% | 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)