POINT WEST

Charter #63971 | OR

100M-500M (1077 CUs) Micro ($0-$500M)

18 100M-500M in OR

POINT WEST has 2 strengths but faces 16 concerns

Key Strengths

Areas where this CU excels compared to peers

+ Emerging Performer: Top 27.0% in tier
+ Net Interest Margin 0.76% above tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 9.2% in tier
- Accelerating Exit Risk: Bottom 12.2% in tier
- Credit Quality Pressure: Bottom 12.3% in tier
- Efficiency Drag: Bottom 16.2% in tier
- Shrinking Wallet Share: Bottom 16.9% in tier
- Capital Constraint: Bottom 18.4% in tier
- Membership Headwinds: Bottom 19.6% in tier
- Stagnation Risk: Bottom 22.5% in tier
- Institutional Decline: Bottom 31.5% in tier
- Liquidity Overhang: Bottom 34.2% in tier
- ROA 0.20% below tier average
- Efficiency ratio 8.21% above tier (higher cost structure)
- Total Deposits: Bottom 2.9% in tier
- Deposit Growth Rate: Bottom 3.0% in tier
- Total Assets: Bottom 3.0% in tier
- Asset Growth Rate: Bottom 3.2% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Members	8,372 -2.0% YoY-0.4% QoQ	-7.3K	15,628 -3.4% YoY	48,799 +9.4% YoY	33,089 +6.1% YoY	Bottom 18.8% in tier
Assets	$104.6M -5.4% YoY-0.6% QoQ	$-126.7M	$231.3M -0.0% YoY	$801.2M +7.5% YoY	$547.7M +7.8% YoY	Bottom 2.9% in tier
Loans	$78.6M -1.6% YoY+6.1% QoQ	$-69.2M	$147.8M -1.4% YoY	$546.0M +10.9% YoY	$388.7M +8.6% YoY	Bottom 21.1% in tier
Deposits	$90.1M -5.4% YoY-0.8% QoQ	$-110.2M	$200.3M -0.0% YoY	$683.7M +7.5% YoY	$464.6M +9.3% YoY	Bottom 2.8% in tier
ROA	0.6% -29.0% YoY-2.3% QoQ	-0.2%	0.8% +15.5% YoY	0.7% +15.2% YoY	0.7% +273.4% YoY	39th in tier
NIM	4.3% -2.6% YoY+2.8% QoQ	+0.8%	3.6% +6.9% YoY	3.9% +7.2% YoY	3.7% +5.0% YoY	Top 12.6% in tier
Efficiency Ratio	85.5% +3.5% YoY+2.5% QoQ	+8.2%	77.3% -3.0% YoY	76.2% -3.6% YoY	79.1% -3.3% YoY	Top 22.1% in tier
Delinquency Rate	0.7% +49.8% YoY-5.2% QoQ	-0.1	0.9% +7.6% YoY	0.9% -6.6% YoY	1.2% -0.9% YoY	56th in tier
Loan To Share	87.2% +4.1% YoY+6.9% QoQ	+14.5%	72.7% -1.5% YoY	76.2% +0.8% YoY	68.0% -1.7% YoY	Top 20.7% in tier
AMR	$20,150 -1.7% YoY+2.7% QoQ	$-4K	$24,363 +2.9% YoY	$25,038 +0.5% YoY	$19,418 +1.3% YoY	36th in tier
CD Concentration	12.5% +41.0% YoY-2.0% QoQ	-11.9%	24.4% +4.2% YoY	16.6% +1.3% YoY	19.6% +6.2% YoY	50th in tier
Indirect Auto %	14.9% -11.6% YoY-9.2% QoQ	+0.9%	14.0% -5.8% YoY	13.9% -0.5% YoY	7.9% -2.9% YoY	50th in tier

Signature Analysis

Strengths (1)

Emerging Performer

growth

#507 of 627 • Top 27.0% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature

Return on Assets: 0.59%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Member Growth (YoY): -1.98%

(Tier: 0.88%, National: 9.37%)

but worse than tier avg

627 of 1077 Community CUs have this signature | 852 nationally

↑ Growing +13 CUs YoY | Rank worsening

Concerns (10)

Deposit Outflow

decline

#55 of 114 • Bottom 9.2% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -5.42%

(Tier: 4.79%, National: 12.00%)

worse than tier avg

Total Assets: $104.58M

(Tier: $231.30M, National: $547.69M)

worse than tier avg

114 of 1077 Community CUs have this signature | 143 nationally

↓ Shrinking -169 CUs YoY | New qualifier

Accelerating Exit Risk

decline

#33 of 58 • Bottom 12.2% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -1.98%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

AMR Growth (YoY): -1.72%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

58 of 1077 Community CUs have this signature | 73 nationally

↓ Shrinking -89 CUs YoY | New qualifier

Credit Quality Pressure

risk

#306 of 736 • Bottom 12.3% in tier

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

Why This Signature

Delinquency Change (YoY): 0.25% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Efficiency Drag

risk

#286 of 521 • Bottom 16.2% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 85.49%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.24% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -1.98%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#169 of 244 • Bottom 16.9% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.72%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 1077 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | New qualifier

Capital Constraint

risk

#17 of 18 • Bottom 18.4% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature

Loan-to-Share Ratio: 87.24%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Deposit Growth (YoY): -5.42%

(Tier: 4.79%, National: 12.00%)

worse than tier avg

Net Worth Ratio: 12.21%

(Tier: 11.95%, National: 14.51%)

but better than tier avg

18 of 1077 Community CUs have this signature | 29 nationally

↓ Shrinking -33 CUs YoY | New qualifier

Membership Headwinds

decline

#324 of 550 • Bottom 19.6% in tier

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

Why This Signature

Member Growth (YoY): -1.98%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Stagnation Risk

risk

#371 of 550 • Bottom 22.5% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature

Return on Assets: 0.59%

(Tier: 0.77%, National: 0.71%)

worse than tier avg

Member Growth (YoY): -1.98%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Avg Member Relationship: $20.1K

(Tier: $25.0K, National: $19.4K)

worse than tier avg

CD Concentration: 12.51%

(Tier: 24.41%, National: 19.60%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Institutional Decline

decline

#249 of 256 • Bottom 31.5% in tier

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

Why This Signature

Total Assets: $104.58M

(Tier: $231.30M, National: $547.69M)

worse than tier avg

Member Growth (YoY): -1.98%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -1.56%

(Tier: 3.64%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | Rank worsening

Liquidity Overhang

risk

#530 of 552 • Bottom 34.2% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 12.21%

(Tier: 11.95%, National: 14.51%)

but better than tier avg

Loan-to-Share Ratio: 87.24%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

552 of 1077 Community CUs have this signature | 691 nationally

↑ Growing +65 CUs YoY | New qualifier

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 1077 peers in tier

Top Strengths (5 metrics)

136

Net Interest Margin (NIM)

profitability

Value: 4.34%

Peer Avg: 3.58%

#136 of 1077 Top 12.5% in 100M-500M tier

150

Fee Income Per Member

profitability

Value: $248.50

Peer Avg: $174.31

#150 of 1077 Top 13.8% in 100M-500M tier

172

Share Certificate Concentration (%)

balance_sheet

Value: 12.51%

Peer Avg: 23.61%

#172 of 1077 Top 15.9% in 100M-500M tier

223

Loan-to-Share Ratio

balance_sheet

Value: 87.24%

Peer Avg: 72.70%

#223 of 1077 Top 20.6% in 100M-500M tier

245

First Mortgage Concentration (%)

balance_sheet

Value: 15.92%

Peer Avg: 30.43%

#245 of 1077 Top 22.7% in 100M-500M tier

Top Weaknesses (8 metrics)

1047

Total Deposits

balance_sheet

Value: $90.10M

Peer Avg: $200.29M

#1047 of 1077 Bottom 2.9% in 100M-500M tier

1046

Deposit Growth Rate

growth

Value: -5.42%

Peer Avg: 4.69%

#1046 of 1077 Bottom 3.0% in 100M-500M tier

1046

Total Assets

balance_sheet

Value: $104.58M

Peer Avg: $231.30M

#1046 of 1077 Bottom 3.0% in 100M-500M tier

1044

Asset Growth Rate

growth

Value: -5.39%

Peer Avg: 4.70%

#1044 of 1077 Bottom 3.2% in 100M-500M tier

941

AMR Growth Rate

growth

Value: -1.72%

Peer Avg: 3.64%

#941 of 1077 Bottom 12.7% in 100M-500M tier

874

Total Members

engagement

Value: 8,372

Peer Avg: 15,628

#874 of 1077 Bottom 18.9% in 100M-500M tier

850

Total Loans

balance_sheet

Value: $78.60M

Peer Avg: $147.80M

#850 of 1077 Bottom 21.2% in 100M-500M tier

840

Efficiency Ratio

profitability

Value: 85.49%

Peer Avg: 77.28%

#840 of 1077 Bottom 22.1% in 100M-500M tier