BlastPoint's Credit Union Scorecard
RADIO CAB
Charter #63903 · OR
2556 CUs in <100M nationally
17 in OR
RADIO CAB has 5 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 6.1% in tier
- + Member Growth Rate: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.53% below tier average
- - Efficiency ratio 13.20% above tier (higher cost structure)
- - Delinquency rate 0.54% above tier average
- - Net Charge-Off Rate: Bottom 4.6% in tier
- - Net Interest Margin (NIM): Bottom 4.7% in tier
- - Total Members: Bottom 4.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
202
+3.6% YoY+4.7% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
49,474
+8.2% YoY
|
33,374
+5.7% YoY
|
Bottom 4.8% in tier |
| Assets |
$3.6M
+0.7% YoY+0.2% QoQ
|
$-26.5M |
$30.1M
+2.1% YoY
|
$800.8M
+6.1% YoY
|
$561.6M
+9.7% YoY
|
Bottom 14.8% in tier |
| Loans |
$1.0M
+14.6% YoY+6.0% QoQ
|
$-14.8M |
$15.8M
-1.3% YoY
|
$554.3M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
Bottom 11.2% in tier |
| Deposits |
$2.7M
+0.4% YoY-0.0% QoQ
|
$-23.0M |
$25.7M
+1.4% YoY
|
$686.9M
+6.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 14.2% in tier |
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| ROA |
0.1%
-85.1% YoY+50.6% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.6%
+1.0% YoY
|
0.7%
+15.9% YoY
|
20% |
| NIM |
2.1%
-1.5% YoY+4.9% QoQ
|
-1.8% |
4.0%
+4.0% YoY
|
3.9%
+7.3% YoY
|
3.8%
+5.1% YoY
|
Bottom 4.7% in tier |
| Efficiency Ratio |
95.8%
+31.6% YoY-1.3% QoQ
|
+13.2% |
82.6%
-2.3% YoY
|
79.6%
-0.7% YoY
|
79.7%
-3.3% YoY
|
84% |
| Delinquency Rate |
2.1%
-69.6% YoY+159.5% QoQ
|
+0.5 |
1.6%
-3.1% YoY
|
1.1%
+23.3% YoY
|
1.3%
-2.1% YoY
|
79% |
| Loan To Share |
37.7%
+14.1% YoY+6.0% QoQ
|
-22.9% |
60.6%
-3.1% YoY
|
76.3%
+0.6% YoY
|
67.4%
-1.7% YoY
|
17% |
| AMR |
$18,259
+0.4% YoY-2.9% QoQ
|
+$3K |
$14,783
-1.4% YoY
|
$24,960
+0.4% YoY
|
$19,687
+2.0% YoY
|
71% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 16.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 13.7% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
158
Loan Growth Rate
growth
Value:
14.59%
Peer Median: -
#158 of 2556
Top 6.1% in <100M tier
225
Member Growth Rate
growth
Value:
3.59%
Peer Median: -
#225 of 2556
Top 8.8% in <100M tier
270
Net Worth Ratio
risk
Value:
25.45%
Peer Median: -
#270 of 2556
Top 10.5% in <100M tier
Top Weaknesses (11 metrics)
2439
Net Charge-Off Rate
risk
Value:
2.40%
Peer Median: -
#2439 of 2556
Bottom 4.6% in <100M tier
2437
Net Interest Margin (NIM)
profitability
Value:
2.12%
Peer Median: -
#2437 of 2556
Bottom 4.7% in <100M tier
2433
Total Members
engagement
Value:
202
Peer Median: -
#2433 of 2556
Bottom 4.9% in <100M tier
2270
Total Loans
balance_sheet
Value:
$1.01M
Peer Median: -
#2270 of 2556
Bottom 11.2% in <100M tier
2192
Total Deposits
balance_sheet
Value:
$2.68M
Peer Median: -
#2192 of 2556
Bottom 14.3% in <100M tier
2178
Total Assets
balance_sheet
Value:
$3.62M
Peer Median: -
#2178 of 2556
Bottom 14.8% in <100M tier
2147
Efficiency Ratio
profitability
Value:
95.76%
Peer Median: -
#2147 of 2556
Bottom 16.0% in <100M tier
2137
Members Per Employee (MPE)
engagement
Value:
202.000
Peer Median: -
#2137 of 2556
Bottom 16.4% in <100M tier
2117
Loan-to-Share Ratio
balance_sheet
Value:
37.72%
Peer Median: -
#2117 of 2556
Bottom 17.2% in <100M tier
2039
Return on Assets (ROA)
profitability
Value:
0.09%
Peer Median: -
#2039 of 2556
Bottom 20.3% in <100M tier