BlastPoint's Credit Union Scorecard
FORRIT
Charter #64103 · OR
FORRIT has 7 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.79% above tier average
- + Total Loans: Top 1.6% in tier
- + Loan-to-Member Ratio (LMR): Top 3.0% in tier
- + Average Member Relationship (AMR): Top 4.3% in tier
- + Total Deposits: Top 5.8% in tier
- + Total Assets: Top 6.9% in tier
- + Fee Income Per Member: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.26% below tier average
- - Efficiency ratio 9.62% above tier (higher cost structure)
- - Member decline: -4.1% YoY
- - Asset Growth Rate: Bottom 4.5% in tier
- - Deposit Growth Rate: Bottom 6.4% 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 -10.6% year over year ($73.0M in shares and deposits).
- Membership: 4,463 members, -4.1% vs a year ago.
- Delinquency rate 1.02%.
- Return on assets 0.23%.
- Efficiency ratio 98.39% vs a 88.77% peer average.
- Loan-to-share ratio 83.80% 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 |
4,463
-4.1% YoY-1.5% QoQ
|
+1.9K |
2,585
-1.7% YoY
|
51,821
+9.3% YoY
|
34,678
+6.6% YoY
|
83% |
| Assets |
$82.0M
-10.7% YoY-2.6% QoQ
|
+$51.8M |
$30.3M
+1.5% YoY
|
$850.7M
+8.9% YoY
|
$593.1M
+10.2% YoY
|
Top 7.0% in tier |
| Loans |
$61.2M
-7.2% YoY-2.7% QoQ
|
+$45.7M |
$15.5M
-1.7% YoY
|
$590.7M
+10.5% YoY
|
$418.6M
+10.1% YoY
|
Top 1.7% in tier |
| Deposits |
$73.0M
-10.6% YoY-2.8% QoQ
|
+$47.2M |
$25.8M
+1.1% YoY
|
$725.1M
+8.5% YoY
|
$504.8M
+10.3% YoY
|
Top 5.8% in tier |
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| ROA |
0.2%
-112.7% YoY
|
-1.3% |
1.5%
+241.5% YoY
|
0.8%
+19.1% YoY
|
1.2%
+121.4% YoY
|
Bottom 14.6% in tier |
| NIM |
4.7%
+8.1% YoY+0.1% QoQ
|
+0.8% |
3.9%
+0.9% YoY
|
4.0%
+5.3% YoY
|
3.8%
+2.3% YoY
|
82% |
| Efficiency Ratio |
98.4%
-5.2% YoY+2.7% QoQ
|
+9.6% |
88.8%
-6.9% YoY
|
78.0%
+0.7% YoY
|
83.0%
-5.3% YoY
|
Bottom 14.9% in tier |
| Delinquency Rate |
1.0%
+0.8% YoY-27.4% QoQ
|
-0.5 |
1.5%
+2.1% YoY
|
1.1%
+29.8% YoY
|
1.3%
+2.6% YoY
|
62% |
| Loan To Share |
83.8%
+3.9% YoY+0.1% QoQ
|
+24.9% |
58.9%
-3.1% YoY
|
76.6%
+0.5% YoY
|
66.4%
-1.4% YoY
|
85% |
| AMR |
$30,068
-5.2% YoY-1.2% QoQ
|
+$15K |
$14,963
-6.8% YoY
|
$25,405
+1.6% YoY
|
$20,028
-0.9% YoY
|
Top 4.4% in tier |
| CD Concentration |
6.3%
-31.7% YoY-15.4% QoQ
|
-18.2% | 24.6% | 16.7% | 20.0% | 50% |
| Indirect Auto % |
0.6%
-52.7% YoY-22.9% QoQ
|
-13.0% | 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)