BlastPoint's Credit Union Scorecard
RADIO CAB
Charter #63903 · OR
RADIO CAB has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 8.3% YoY
- + Loan Growth Rate: Top 0.9% in tier
- + Net Charge-Off Rate: Top 2.3% in tier
- + Member Growth Rate: Top 4.7% in tier
Key Concerns
Areas that may need attention
- - ROA 1.37% below tier average
- - Efficiency ratio 15.70% above tier (higher cost structure)
- - Delinquency rate 1.17% above tier average
- - Total Members: Bottom 5.1% in tier
- - Net Interest Margin (NIM): Bottom 7.1% in tier
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 2,437 credit unions with under $100M in assets nationally, and 1 of 18 that size in Oregon.
- Shares and deposits +3.5% year over year ($2.7M in shares and deposits).
- Membership: 209 members, +8.3% vs a year ago.
- Delinquency rate 2.72%.
- Return on assets 0.12%.
- Efficiency ratio 104.47% vs a 88.77% peer average.
- Loan-to-share ratio 45.70% vs a 58.89% 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 |
209
+8.3% YoY+2.5% QoQ
|
-2.4K |
2,585
-1.7% YoY
|
51,821
+9.3% YoY
|
34,678
+6.6% YoY
|
Bottom 5.0% in tier |
| Assets |
$3.7M
+3.4% YoY+3.0% QoQ
|
$-26.6M |
$30.3M
+1.5% YoY
|
$850.7M
+8.9% YoY
|
$593.1M
+10.2% YoY
|
Bottom 14.6% in tier |
| Loans |
$1.2M
+55.4% YoY+11.2% QoQ
|
$-14.2M |
$15.5M
-1.7% YoY
|
$590.7M
+10.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 13.2% in tier |
| Deposits |
$2.7M
+3.5% YoY+3.3% QoQ
|
$-23.1M |
$25.8M
+1.1% YoY
|
$725.1M
+8.5% YoY
|
$504.8M
+10.3% YoY
|
Bottom 14.4% in tier |
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| ROA |
0.1%
+100.4% YoY-214.6% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
0.8%
+19.1% YoY
|
1.2%
+121.4% YoY
|
Bottom 7.6% in tier |
| NIM |
2.5%
+26.1% YoY+0.0% QoQ
|
-1.4% |
3.9%
+0.9% YoY
|
4.0%
+5.3% YoY
|
3.8%
+2.3% YoY
|
Bottom 7.1% in tier |
| Efficiency Ratio |
104.5%
+7.7% YoY+0.6% QoQ
|
+15.7% |
88.8%
-6.9% YoY
|
78.0%
+0.7% YoY
|
83.0%
-5.3% YoY
|
Bottom 10.8% in tier |
| Delinquency Rate |
2.7%
+150.1% YoY+85.7% QoQ
|
+1.2 |
1.5%
+2.1% YoY
|
1.1%
+29.8% YoY
|
1.3%
+2.6% YoY
|
Bottom 14.7% in tier |
| Loan To Share |
45.7%
+50.1% YoY+7.6% QoQ
|
-13.2% |
58.9%
-3.1% YoY
|
76.6%
+0.5% YoY
|
66.4%
-1.4% YoY
|
30% |
| AMR |
$19,019
+6.8% YoY+3.1% QoQ
|
+$4K |
$14,963
-6.8% YoY
|
$25,405
+1.6% YoY
|
$20,028
-0.9% YoY
|
74% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 16.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 13.6% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)