BlastPoint's Credit Union Scorecard
RADIO CAB
Charter #63903 · OR
RADIO CAB has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 5.7% YoY
- + Loan Growth Rate: Top 1.4% in tier
- + Member Growth Rate: Top 5.8% in tier
- + Net Worth Ratio: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.25% below tier average
- - Efficiency ratio 13.27% above tier (higher cost structure)
- - Total Members: Bottom 4.9% in tier
- - Net Interest Margin (NIM): Bottom 7.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
204
+5.7% YoY+1.0% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
51,194
+9.2% YoY
|
33,913
+5.7% YoY
|
Bottom 4.8% in tier |
| Assets |
$3.6M
-0.8% YoY-1.1% QoQ
|
$-26.6M |
$30.2M
+1.3% YoY
|
$843.4M
+7.6% YoY
|
$578.3M
+9.0% YoY
|
Bottom 14.5% in tier |
| Loans |
$1.1M
+36.7% YoY+11.0% QoQ
|
$-14.2M |
$15.3M
-2.0% YoY
|
$578.4M
+10.5% YoY
|
$402.4M
+8.7% YoY
|
Bottom 12.4% in tier |
| Deposits |
$2.6M
-1.6% YoY-1.4% QoQ
|
$-23.1M |
$25.8M
+0.7% YoY
|
$722.8M
+7.3% YoY
|
$494.3M
+9.1% YoY
|
Bottom 14.0% in tier |
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| ROA |
-0.1%
-210.5% QoQ
|
-0.3% |
0.1%
-77.6% YoY
|
0.7%
-4.2% YoY
|
0.4%
-39.2% YoY
|
19% |
| NIM |
2.5%
+21.9% YoY+18.6% QoQ
|
-1.5% |
4.0%
+4.0% YoY
|
4.0%
+4.4% YoY
|
3.8%
+4.1% YoY
|
Bottom 7.9% in tier |
| Efficiency Ratio |
103.9%
+5.3% YoY+8.5% QoQ
|
+13.3% |
90.6%
+6.5% YoY
|
77.9%
+0.7% YoY
|
84.6%
+2.8% YoY
|
Bottom 13.3% in tier |
| Delinquency Rate |
1.5%
+591.0% YoY-30.1% QoQ
|
+0.0 |
1.5%
+3.8% YoY
|
1.1%
+40.5% YoY
|
1.2%
+3.4% YoY
|
74% |
| Loan To Share |
42.5%
+38.9% YoY+12.6% QoQ
|
-16.0% |
58.5%
-3.0% YoY
|
75.8%
+1.2% YoY
|
65.6%
-1.4% YoY
|
25% |
| AMR |
$18,443
+1.6% YoY+1.0% QoQ
|
+$4K |
$14,884
-1.7% YoY
|
$25,270
+0.9% YoY
|
$19,920
+1.6% YoY
|
71% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 16.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 13.7% | 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)