BlastPoint's Credit Union Scorecard

NW PRIORITY

Charter #63315 · OR

100M-500M

1024 CUs in 100M-500M nationally 16 in OR

NW PRIORITY has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

OR Analysis

How does OR stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ Net Worth Ratio: Top 8.3% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency ratio 1.14% above tier (higher cost structure)
- Delinquency rate 0.22% above tier average
- Member decline: -7.9% YoY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 16 that size in Oregon.
Shares and deposits -1.3% year over year ($204M in shares and deposits).
Membership: 11,202 members, -7.9% vs a year ago.
Delinquency rate 1.10%.
Return on assets 0.84%.
Efficiency ratio 77.87% vs a 76.73% peer average.
Loan-to-share ratio 25.79% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Members	11,202 -7.9% YoY-1.8% QoQ	-4.0K	15,168 -2.6% YoY	51,821 +9.3% YoY	34,678 +6.6% YoY	39%
Assets	$247.7M -0.2% YoY-0.8% QoQ	+$15.7M	$232.0M +0.7% YoY	$850.7M +8.9% YoY	$593.1M +10.2% YoY	63%
Loans	$52.5M -5.9% YoY-1.4% QoQ	$-93.8M	$146.3M +0.2% YoY	$590.7M +10.5% YoY	$418.6M +10.1% YoY	Bottom 6.5% in tier
Deposits	$203.6M -1.3% YoY-1.3% QoQ	+$2.9M	$200.7M +0.2% YoY	$725.1M +8.5% YoY	$504.8M +10.3% YoY	60%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.8% +27.6% YoY+9.9% QoQ	+0.0%	0.9% +12.5% YoY	0.8% +19.1% YoY	1.2% +121.4% YoY	56%
NIM	3.5% +16.8% YoY+1.8% QoQ	-0.2%	3.7% +4.5% YoY	4.0% +5.3% YoY	3.8% +2.3% YoY	39%
Efficiency Ratio	77.9% -2.0% YoY-2.5% QoQ	+1.1%	76.7% -0.8% YoY	78.0% +0.7% YoY	83.0% -5.3% YoY	52%
Delinquency Rate	1.1% +46.2% YoY-0.5% QoQ	+0.2	0.9% +6.6% YoY	1.1% +29.8% YoY	1.3% +2.6% YoY	73%
Loan To Share	25.8% -4.6% YoY-0.1% QoQ	-45.8%	71.5% -0.3% YoY	76.6% +0.5% YoY	66.4% -1.4% YoY	Bottom 1.3% in tier
AMR	$22,861 +6.1% YoY+0.5% QoQ	$-2K	$25,107 +3.2% YoY	$25,405 +1.6% YoY	$20,028 -0.9% YoY	49%
CD Concentration	12.6% +16.4% YoY+10.6% QoQ	-12.0%	24.6%	16.7%	20.0%	50%
Indirect Auto %	10.4% +18.5% YoY+7.1% QoQ	-3.2%	13.6%	13.6%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#375 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.07%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Concerns (5)

Stagnation Risk

risk

#20 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -7.89%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -5.86%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 1.10%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Institutional Decline

decline

#23 of 230 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $247.67M

(Tier: $336.17M, National: $593.11M)

worse than tier avg

Member Growth (YoY): -7.89%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -5.86%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | Rank improving

Membership Headwinds

decline

#62 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -7.89%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Liquidity Overhang

risk

#38 of 130 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 17.12%

(Tier: 12.53%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 25.79%

(Tier: 73.56%, National: 66.39%)

worse than tier avg

130 of 1024 Mid-Small & Community CUs have this signature | 148 nationally

↑ Growing +7 CUs YoY | Rank improving

Credit Quality Pressure

risk

#212 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.35% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (2 metrics)

Net Worth Ratio

risk

Value: 17.12%

Peer Median: 11.71%

#86 of 1024 Top 8.3% in 100M-500M tier

153

Share Certificate Concentration (%)

balance_sheet

Value: 12.59%

Peer Median: 23.39%

#153 of 1024 Top 14.8% in 100M-500M tier

Top Weaknesses (10 metrics)

1011

Loan-to-Share Ratio

balance_sheet

Value: 25.79%

Peer Median: 73.07%

#1011 of 1024 Bottom 1.4% in 100M-500M tier

980

Loan-to-Member Ratio (LMR)

engagement

Value: $4,686

Peer Median: $9,434

#980 of 1024 Bottom 4.4% in 100M-500M tier

977

Member Growth Rate

growth

Value: -7.89%

Peer Median: -0.03%

#977 of 1024 Bottom 4.7% in 100M-500M tier

957

Total Loans

balance_sheet

Value: $52.50M

Peer Median: $124.04M

#957 of 1024 Bottom 6.6% in 100M-500M tier

941

Loan Growth Rate

growth

Value: -5.86%

Peer Median: 3.02%

#941 of 1024 Bottom 8.2% in 100M-500M tier

890

Deposit Growth Rate

growth

Value: -1.33%

Peer Median: 3.58%

#890 of 1024 Bottom 13.2% in 100M-500M tier

866

Fee Income Per Member

profitability

Value: $99.52

Peer Median: $159.88

#866 of 1024 Bottom 15.5% in 100M-500M tier

858

Asset Growth Rate

growth

Value: -0.16%

Peer Median: 4.12%

#858 of 1024 Bottom 16.3% in 100M-500M tier

846

Members Per Employee (MPE)

engagement

Value: 243.522

Peer Median: 310.924

#846 of 1024 Bottom 17.5% in 100M-500M tier

838

First Mortgage Concentration (%)

balance_sheet

Value: 46.56%

Peer Median: 29.92%

#838 of 1024 Bottom 18.3% in 100M-500M tier