BlastPoint's Credit Union Scorecard
FORRIT
Charter #64103 · OR
2556 CUs in <100M nationally
17 in OR
FORRIT has 7 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.90% above tier average
- + Total Loans: Top 1.1% in tier
- + Loan-to-Member Ratio (LMR): Top 2.6% in tier
- + Average Member Relationship (AMR): Top 4.2% in tier
- + Total Deposits: Top 5.8% in tier
- + Total Assets: Top 6.9% in tier
- + Fee Income Per Member: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - ROA 2.78% below tier average
- - Efficiency ratio 16.58% above tier (higher cost structure)
- - Member decline: -3.5% YoY
- - Asset Growth Rate: Bottom 2.6% in tier
- - Deposit Growth Rate: Bottom 4.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,559
-3.5% YoY-0.8% QoQ
|
+1.9K |
2,615
-1.9% YoY
|
49,474
+8.2% YoY
|
33,374
+5.7% YoY
|
83% |
| Assets |
$82.0M
-12.5% YoY-7.3% QoQ
|
+$51.9M |
$30.1M
+2.1% YoY
|
$800.8M
+6.1% YoY
|
$561.6M
+9.7% YoY
|
Top 6.9% in tier |
| Loans |
$64.9M
+7.2% YoY-0.9% QoQ
|
+$49.1M |
$15.8M
-1.3% YoY
|
$554.3M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
Top 1.1% in tier |
| Deposits |
$73.0M
-12.0% YoY-7.4% QoQ
|
+$47.3M |
$25.7M
+1.4% YoY
|
$686.9M
+6.2% YoY
|
$477.3M
+9.7% YoY
|
Top 5.8% in tier |
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| ROA |
-2.2%
+572.6% YoY+11.6% QoQ
|
-2.8% |
0.6%
+10.8% YoY
|
0.6%
+1.0% YoY
|
0.7%
+15.9% YoY
|
Bottom 3.0% in tier |
| NIM |
4.9%
+22.1% YoY+6.1% QoQ
|
+0.9% |
4.0%
+4.0% YoY
|
3.9%
+7.3% YoY
|
3.8%
+5.1% YoY
|
82% |
| Efficiency Ratio |
99.1%
+0.8% YoY-3.1% QoQ
|
+16.6% |
82.6%
-2.3% YoY
|
79.6%
-0.7% YoY
|
79.7%
-3.3% YoY
|
Top 12.0% in tier |
| Delinquency Rate |
1.2%
-19.0% YoY-9.2% QoQ
|
-0.3 |
1.6%
-3.1% YoY
|
1.1%
+23.3% YoY
|
1.3%
-2.1% YoY
|
66% |
| Loan To Share |
88.9%
+21.9% YoY+6.9% QoQ
|
+28.3% |
60.6%
-3.1% YoY
|
76.3%
+0.6% YoY
|
67.4%
-1.7% YoY
|
Top 11.2% in tier |
| AMR |
$30,231
-0.5% YoY-3.7% QoQ
|
+$15K |
$14,783
-1.4% YoY
|
$24,960
+0.4% YoY
|
$19,687
+2.0% YoY
|
Top 4.2% in tier |
| CD Concentration |
8.4%
-51.4% YoY-1.3% QoQ
|
-16.0% | 24.4% | 16.6% | 19.8% | 50% |
| Indirect Auto % |
0.9%
-56.6% YoY-14.5% QoQ
|
-12.9% | 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 (10 metrics)
29
Total Loans
balance_sheet
Value:
$64.86M
Peer Median: -
#29 of 2556
Top 1.1% in <100M tier
68
Loan-to-Member Ratio (LMR)
engagement
Value:
$14,228
Peer Median: -
#68 of 2556
Top 2.6% in <100M tier
108
Average Member Relationship (AMR)
engagement
Value:
$30,231
Peer Median: -
#108 of 2556
Top 4.2% in <100M tier
148
Total Deposits
balance_sheet
Value:
$72.96M
Peer Median: -
#148 of 2556
Top 5.8% in <100M tier
177
Total Assets
balance_sheet
Value:
$82.00M
Peer Median: -
#177 of 2556
Top 6.9% in <100M tier
247
Fee Income Per Member
profitability
Value:
$175.05
Peer Median: -
#247 of 2556
Top 9.6% in <100M tier
283
Loan-to-Share Ratio
balance_sheet
Value:
88.91%
Peer Median: -
#283 of 2556
Top 11.0% in <100M tier
400
Loan Growth Rate
growth
Value:
7.24%
Peer Median: -
#400 of 2556
Top 15.6% in <100M tier
432
Total Members
engagement
Value:
4,559
Peer Median: -
#432 of 2556
Top 16.9% in <100M tier
452
Net Interest Margin (NIM)
profitability
Value:
4.85%
Peer Median: -
#452 of 2556
Top 17.6% in <100M tier
Top Weaknesses (9 metrics)
2491
Asset Growth Rate
growth
Value:
-12.49%
Peer Median: -
#2491 of 2556
Bottom 2.6% in <100M tier
2480
Return on Assets (ROA)
profitability
Value:
-2.15%
Peer Median: -
#2480 of 2556
Bottom 3.0% in <100M tier
2434
Deposit Growth Rate
growth
Value:
-12.01%
Peer Median: -
#2434 of 2556
Bottom 4.8% in <100M tier
2250
Efficiency Ratio
profitability
Value:
99.14%
Peer Median: -
#2250 of 2556
Bottom 12.0% in <100M tier
2194
Indirect Auto Concentration (%)
balance_sheet
Value:
0.89%
Peer Median: -
#2194 of 2556
Bottom 14.2% in <100M tier
2156
Net Charge-Off Rate
risk
Value:
1.03%
Peer Median: -
#2156 of 2556
Bottom 15.7% in <100M tier
2123
Members Per Employee (MPE)
engagement
Value:
207.227
Peer Median: -
#2123 of 2556
Bottom 17.0% in <100M tier
2077
First Mortgage Concentration (%)
balance_sheet
Value:
31.91%
Peer Median: -
#2077 of 2556
Bottom 18.8% in <100M tier
2057
Net Worth Ratio
risk
Value:
10.42%
Peer Median: -
#2057 of 2556
Bottom 19.6% in <100M tier