BlastPoint's Credit Union Scorecard
BENTON COUNTY SCHOOLS
Charter #64059 · OR
BENTON COUNTY SCHOOLS has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 6.3% YoY
- + Average Member Relationship (AMR): Top 1.1% in tier
- + Loan-to-Member Ratio (LMR): Top 2.3% in tier
- + Member Growth Rate: Top 5.7% in tier
Key Concerns
Areas that may need attention
- - ROA 1.14% below tier average
- - First Mortgage Concentration (%): Bottom 2.8% in tier
- - Net Interest Margin (NIM): Bottom 7.4% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 18 that size in Oregon.
- Shares and deposits -1.2% year over year ($61.8M in shares and deposits).
- Membership: 2,358 members, +6.3% vs a year ago.
- Delinquency rate 0.06%.
- Return on assets 0.36%.
- Efficiency ratio 86.89% vs a 88.77% peer average.
- Loan-to-share ratio 54.38% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,358
+6.3% YoY+0.3% QoQ
|
-227 |
2,585
-1.7% YoY
|
51,821
+9.3% YoY
|
34,678
+6.6% YoY
|
59% |
| Assets |
$69.4M
-0.6% YoY-2.0% QoQ
|
+$39.1M |
$30.3M
+1.5% YoY
|
$850.7M
+8.9% YoY
|
$593.1M
+10.2% YoY
|
Top 13.0% in tier |
| Loans |
$33.6M
+0.6% YoY-0.7% QoQ
|
+$18.2M |
$15.5M
-1.7% YoY
|
$590.7M
+10.5% YoY
|
$418.6M
+10.1% YoY
|
Top 14.1% in tier |
| Deposits |
$61.8M
-1.2% YoY-2.3% QoQ
|
+$36.0M |
$25.8M
+1.1% YoY
|
$725.1M
+8.5% YoY
|
$504.8M
+10.3% YoY
|
Top 11.4% in tier |
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| ROA |
0.4%
-37.6% YoY+5.3% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
0.8%
+19.1% YoY
|
1.2%
+121.4% YoY
|
22% |
| NIM |
2.5%
+5.6% YoY+2.7% QoQ
|
-1.4% |
3.9%
+0.9% YoY
|
4.0%
+5.3% YoY
|
3.8%
+2.3% YoY
|
Bottom 7.4% in tier |
| Efficiency Ratio |
86.9%
+11.2% YoY-1.0% QoQ
|
-1.9% |
88.8%
-6.9% YoY
|
78.0%
+0.7% YoY
|
83.0%
-5.3% YoY
|
65% |
| Delinquency Rate |
0.1%
-34.7% YoY-90.5% QoQ
|
-1.5 |
1.5%
+2.1% YoY
|
1.1%
+29.8% YoY
|
1.3%
+2.6% YoY
|
17% |
| Loan To Share |
54.4%
+1.8% YoY+1.7% QoQ
|
-4.5% |
58.9%
-3.1% YoY
|
76.6%
+0.5% YoY
|
66.4%
-1.4% YoY
|
44% |
| AMR |
$40,494
-6.5% YoY-2.0% QoQ
|
+$26K |
$14,963
-6.8% YoY
|
$25,405
+1.6% YoY
|
$20,028
-0.9% YoY
|
Top 1.1% in tier |
| CD Concentration |
15.5%
-1.7% YoY-12.7% QoQ
|
-9.1% | 24.6% | 16.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 13.6% | 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)