BlastPoint's Credit Union Scorecard
RADIO CAB
Charter #63903 · OR
RADIO CAB has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 5.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.62% below tier average
- - Efficiency ratio 15.60% above tier (higher cost structure)
- - Member decline: -2.0% YoY
- - Net Charge-Off Rate: Bottom 2.3% in tier
- - Net Interest Margin (NIM): Bottom 3.7% in tier
- - Total Members: Bottom 4.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
193
-2.0% YoY0% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
48,799
+9.4% YoY
|
33,089
+6.1% YoY
|
Bottom 4.4% in tier |
| Assets |
$3.6M
+2.9% YoY+1.4% QoQ
|
$-26.2M |
$29.9M
+1.1% YoY
|
$801.2M
+7.5% YoY
|
$547.7M
+7.8% YoY
|
Bottom 14.9% in tier |
| Loans |
$952,597
+15.9% YoY+18.8% QoQ
|
$-14.8M |
$15.8M
-2.4% YoY
|
$546.0M
+10.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 11.3% in tier |
| Deposits |
$2.7M
+3.6% YoY+1.6% QoQ
|
$-22.8M |
$25.5M
+0.4% YoY
|
$683.7M
+7.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 14.3% in tier |
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| ROA |
0.1%
-90.8% YoY+5.1% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.7%
+15.2% YoY
|
0.7%
+273.4% YoY
|
18% |
| NIM |
2.0%
-8.6% YoY+1.3% QoQ
|
-1.9% |
3.9%
+3.8% YoY
|
3.9%
+7.2% YoY
|
3.7%
+5.0% YoY
|
Bottom 3.6% in tier |
| Efficiency Ratio |
97.0%
+31.0% YoY-0.0% QoQ
|
+15.6% |
81.4%
-2.4% YoY
|
76.2%
-3.6% YoY
|
79.1%
-3.3% YoY
|
Top 13.6% in tier |
| Delinquency Rate |
0.8%
-92.8% YoY-25.7% QoQ
|
-0.7 |
1.5%
-2.0% YoY
|
0.9%
-6.6% YoY
|
1.2%
-0.9% YoY
|
56% |
| Loan To Share |
35.6%
+11.8% YoY+16.8% QoQ
|
-25.7% |
61.2%
-3.0% YoY
|
76.2%
+0.8% YoY
|
68.0%
-1.7% YoY
|
Bottom 14.7% in tier |
| AMR |
$18,814
+8.8% YoY+5.6% QoQ
|
+$4K |
$14,627
-2.7% YoY
|
$25,038
+0.5% YoY
|
$19,418
+1.3% YoY
|
74% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
16.6%
+1.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
13.9%
-0.5% YoY
|
7.9%
-2.9% YoY
|
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)