BlastPoint's Credit Union Scorecard
NW PRIORITY
Charter #63315 · OR
NW PRIORITY has 1 strength but faces 14 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Worth Ratio: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 4.2% in tier
- - Membership Headwinds: Bottom 4.7% in tier
- - Stagnation Risk: Bottom 5.0% in tier
- - Credit Quality Pressure: Bottom 23.3% in tier
- - Liquidity Overhang: Bottom 36.8% in tier
- - ROA 0.02% below tier average
- - Efficiency ratio 0.62% above tier (higher cost structure)
- - Member decline: -6.4% YoY
- - Loan-to-Share Ratio: Bottom 1.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.9% in tier
- - Deposit Growth Rate: Bottom 4.7% in tier
- - Member Growth Rate: Bottom 6.6% in tier
- - Total Loans: Bottom 7.1% in tier
- - Asset Growth Rate: Bottom 7.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,991
-6.4% YoY-1.4% QoQ
|
-3.6K |
15,628
-3.4% YoY
|
48,799
+9.4% YoY
|
33,089
+6.1% YoY
|
42% |
| Assets |
$246.0M
-2.6% YoY-0.8% QoQ
|
+$14.7M |
$231.3M
-0.0% YoY
|
$801.2M
+7.5% YoY
|
$547.7M
+7.8% YoY
|
63% |
| Loans |
$54.9M
-5.6% YoY-1.6% QoQ
|
$-92.9M |
$147.8M
-1.4% YoY
|
$546.0M
+10.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 7.0% in tier |
| Deposits |
$203.5M
-3.8% YoY-1.4% QoQ
|
+$3.2M |
$200.3M
-0.0% YoY
|
$683.7M
+7.5% YoY
|
$464.6M
+9.3% YoY
|
60% |
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| ROA |
0.8%
+379.9% YoY+16.0% QoQ
|
-0.0% |
0.8%
+15.5% YoY
|
0.7%
+15.2% YoY
|
0.7%
+273.4% YoY
|
50% |
| NIM |
3.2%
+37.7% YoY+5.0% QoQ
|
-0.4% |
3.6%
+6.9% YoY
|
3.9%
+7.2% YoY
|
3.7%
+5.0% YoY
|
26% |
| Efficiency Ratio |
77.9%
-16.6% YoY-2.0% QoQ
|
+0.6% |
77.3%
-3.0% YoY
|
76.2%
-3.6% YoY
|
79.1%
-3.3% YoY
|
53% |
| Delinquency Rate |
0.5%
+11.6% YoY-28.4% QoQ
|
-0.3 |
0.9%
+7.6% YoY
|
0.9%
-6.6% YoY
|
1.2%
-0.9% YoY
|
40% |
| Loan To Share |
27.0%
-1.9% YoY-0.2% QoQ
|
-45.7% |
72.7%
-1.5% YoY
|
76.2%
+0.8% YoY
|
68.0%
-1.7% YoY
|
Bottom 1.1% in tier |
| AMR |
$21,546
+2.4% YoY-0.0% QoQ
|
$-3K |
$24,363
+2.9% YoY
|
$25,038
+0.5% YoY
|
$19,418
+1.3% YoY
|
44% |
| CD Concentration |
10.6%
-11.7% YoY-1.5% QoQ
|
-13.8% |
24.4%
+4.2% YoY
|
16.6%
+1.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
8.8%
-11.2% YoY-0.1% QoQ
|
-5.2% |
14.0%
-5.7% YoY
|
13.9%
-0.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (5)
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate 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)