BlastPoint's Credit Union Scorecard

POINT WEST

Charter #63971 · OR

100M-500M

1070 CUs in 100M-500M nationally 17 in OR

POINT WEST has 5 strengths but faces 8 concerns

National Analysis

How does the industry compare?

OR Analysis

How does OR stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ Net Interest Margin 0.63% above tier average
+ Net Charge-Off Rate: Top 0.5% in tier
+ Fee Income Per Member: Top 6.1% in tier
+ AMR Growth Rate: Top 9.0% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Efficiency ratio 6.87% above tier (higher cost structure)
- Member decline: -15.8% YoY
- Deposit Growth Rate: Bottom 0.8% in tier
- Asset Growth Rate: Bottom 1.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Members	7,093 -15.8% YoY-11.1% QoQ	-8.1K	15,145 -2.5% YoY	51,194 +9.2% YoY	33,913 +5.7% YoY	Bottom 12.1% in tier
Assets	$102.0M -8.9% YoY+1.6% QoQ	$-129.7M	$231.7M +0.8% YoY	$843.4M +7.6% YoY	$578.3M +9.0% YoY	Bottom 2.0% in tier
Loans	$72.5M -3.9% YoY-3.7% QoQ	$-71.7M	$144.1M +0.2% YoY	$578.4M +10.5% YoY	$402.4M +8.7% YoY	19%
Deposits	$87.6M -9.9% YoY+1.2% QoQ	$-113.5M	$201.1M +0.4% YoY	$722.8M +7.3% YoY	$494.3M +9.1% YoY	Bottom 1.3% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.8% +279.2% YoY+396.8% QoQ	+0.0%	0.7% +5.1% YoY	0.7% -4.2% YoY	0.4% -39.2% YoY	55%
NIM	4.3% +4.7% YoY-4.4% QoQ	+0.6%	3.6% +4.6% YoY	4.0% +4.4% YoY	3.8% +4.1% YoY	84%
Efficiency Ratio	84.9% -2.8% YoY-6.7% QoQ	+6.9%	78.0% -1.7% YoY	77.9% +0.7% YoY	84.6% +2.8% YoY	71%
Delinquency Rate	0.7% -28.4% YoY-14.3% QoQ	-0.1	0.8% +7.1% YoY	1.1% +40.5% YoY	1.2% +3.4% YoY	56%
Loan To Share	82.7% +6.7% YoY-4.9% QoQ	+12.3%	70.4% -0.4% YoY	75.8% +1.2% YoY	65.6% -1.4% YoY	75%
AMR	$22,570 +10.0% YoY+11.3% QoQ	$-2K	$24,918 +2.7% YoY	$25,270 +0.9% YoY	$19,920 +1.6% YoY	48%
CD Concentration	11.9% -4.1% YoY-6.4% QoQ	-12.4%	24.3%	16.7%	19.8%	50%
Indirect Auto %	14.8% -10.9% YoY-1.0% QoQ	+1.0%	13.8%	13.7%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#121 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 10.04%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (4)

Membership Headwinds

decline

#12 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -15.75%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#29 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -15.75%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -3.88%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.69%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#91 of 250 • Bottom 50.0% in tier

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

Why This Signature

Total Assets: $102.00M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -15.75%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -3.88%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Efficiency Drag

risk

#569 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 84.89%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.56% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -15.75%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

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 1070 peers in tier

Top Strengths (6 metrics)

Net Charge-Off Rate

risk

Value: -0.17%

Peer Median: 0.35%

#6 of 1070 Top 0.5% in 100M-500M tier

Fee Income Per Member

profitability

Value: $286.22

Peer Median: $154.95

#66 of 1070 Top 6.1% in 100M-500M tier

AMR Growth Rate

growth

Value: 10.04%

Peer Median: 3.46%

#97 of 1070 Top 9.0% in 100M-500M tier

146

Share Certificate Concentration (%)

balance_sheet

Value: 11.87%

Peer Median: 23.10%

#146 of 1070 Top 13.6% in 100M-500M tier

168

Net Interest Margin (NIM)

profitability

Value: 4.27%

Peer Median: 3.62%

#168 of 1070 Top 15.6% in 100M-500M tier

248

First Mortgage Concentration (%)

balance_sheet

Value: 16.34%

Peer Median: 29.47%

#248 of 1070 Top 23.1% in 100M-500M tier

Top Weaknesses (8 metrics)

1062

Deposit Growth Rate

growth

Value: -9.94%

Peer Median: 3.30%

#1062 of 1070 Bottom 0.8% in 100M-500M tier

1060

Asset Growth Rate

growth

Value: -8.92%

Peer Median: 3.91%

#1060 of 1070 Bottom 1.0% in 100M-500M tier

1058

Member Growth Rate

growth

Value: -15.75%

Peer Median: -0.06%

#1058 of 1070 Bottom 1.2% in 100M-500M tier

1056

Total Deposits

balance_sheet

Value: $87.63M

Peer Median: $171.29M

#1056 of 1070 Bottom 1.4% in 100M-500M tier

1049

Total Assets

balance_sheet

Value: $102.00M

Peer Median: $196.57M

#1049 of 1070 Bottom 2.1% in 100M-500M tier

941

Total Members

engagement

Value: 7,093

Peer Median: 13,200

#941 of 1070 Bottom 12.1% in 100M-500M tier

922

Loan Growth Rate

growth

Value: -3.88%

Peer Median: 2.93%

#922 of 1070 Bottom 13.9% in 100M-500M tier

868

Total Loans

balance_sheet

Value: $72.45M

Peer Median: $121.41M

#868 of 1070 Bottom 19.0% in 100M-500M tier