BlastPoint's Credit Union Scorecard
FORRIT
Charter #64103 · OR
<100M
2508 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 0.68% above tier average
- + Total Loans: Top 0.8% in tier
- + Loan-to-Member Ratio (LMR): Top 2.6% in tier
- + Average Member Relationship (AMR): Top 4.0% in tier
- + Total Deposits: Top 4.7% in tier
- + Total Assets: Top 5.8% in tier
- + Fee Income Per Member: Top 6.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.18% below tier average
- - Efficiency ratio 5.17% above tier (higher cost structure)
- - Member decline: -3.2% YoY
- - Asset Growth Rate: Bottom 3.0% in tier
- - Deposit Growth Rate: Bottom 4.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,532
-3.2% YoY-0.6% QoQ
|
+1.9K |
2,676
+1.6% YoY
|
51,194
+9.2% YoY
|
33,913
+5.7% YoY
|
84% |
| Assets |
$84.2M
-12.0% YoY+2.7% QoQ
|
+$54.0M |
$30.2M
+1.3% YoY
|
$843.4M
+7.6% YoY
|
$578.3M
+9.0% YoY
|
Top 5.8% in tier |
| Loans |
$62.9M
-0.4% YoY-3.1% QoQ
|
+$47.6M |
$15.3M
-2.0% YoY
|
$578.4M
+10.5% YoY
|
$402.4M
+8.7% YoY
|
Top 0.8% in tier |
| Deposits |
$75.1M
-12.1% YoY+2.9% QoQ
|
+$49.3M |
$25.8M
+0.7% YoY
|
$722.8M
+7.3% YoY
|
$494.3M
+9.1% YoY
|
Top 4.8% in tier |
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| ROA |
-0.0%
-98.7% YoY-98.3% QoQ
|
-0.2% |
0.1%
-77.6% YoY
|
0.7%
-4.2% YoY
|
0.4%
-39.2% YoY
|
20% |
| NIM |
4.7%
+11.5% YoY-3.4% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
4.0%
+4.4% YoY
|
3.8%
+4.1% YoY
|
82% |
| Efficiency Ratio |
95.8%
-10.3% YoY-3.4% QoQ
|
+5.2% |
90.6%
+6.5% YoY
|
77.9%
+0.7% YoY
|
84.6%
+2.8% YoY
|
79% |
| Delinquency Rate |
1.4%
+39.8% YoY+13.0% QoQ
|
-0.1 |
1.5%
+3.8% YoY
|
1.1%
+40.5% YoY
|
1.2%
+3.4% YoY
|
73% |
| Loan To Share |
83.7%
+13.3% YoY-5.8% QoQ
|
+25.2% |
58.5%
-3.0% YoY
|
75.8%
+1.2% YoY
|
65.6%
-1.4% YoY
|
Top 14.4% in tier |
| AMR |
$30,447
-4.0% YoY+0.7% QoQ
|
+$16K |
$14,884
-1.7% YoY
|
$25,270
+0.9% YoY
|
$19,920
+1.6% YoY
|
Top 4.0% in tier |
| CD Concentration |
7.5%
-36.7% YoY-11.0% QoQ
|
-16.8% | 24.3% | 16.7% | 19.8% | 50% |
| Indirect Auto % |
0.8%
-54.3% YoY-15.5% QoQ
|
-13.1% | 13.8% | 13.7% | 7.7% | 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 (9 metrics)
21
Total Loans
balance_sheet
Value:
$62.88M
Peer Median: $9.48M
#21 of 2508
Top 0.8% in <100M tier
67
Loan-to-Member Ratio (LMR)
engagement
Value:
$13,875
Peer Median: $4,923
#67 of 2508
Top 2.6% in <100M tier
101
Average Member Relationship (AMR)
engagement
Value:
$30,447
Peer Median: $13,926
#101 of 2508
Top 4.0% in <100M tier
120
Total Deposits
balance_sheet
Value:
$75.10M
Peer Median: $18.77M
#120 of 2508
Top 4.7% in <100M tier
146
Total Assets
balance_sheet
Value:
$84.22M
Peer Median: $21.86M
#146 of 2508
Top 5.8% in <100M tier
153
Fee Income Per Member
profitability
Value:
$186.18
Peer Median: $60.42
#153 of 2508
Top 6.1% in <100M tier
358
Loan-to-Share Ratio
balance_sheet
Value:
83.73%
Peer Median: 58.72%
#358 of 2508
Top 14.2% in <100M tier
413
Total Members
engagement
Value:
4,532
Peer Median: 1,918
#413 of 2508
Top 16.4% in <100M tier
443
Net Interest Margin (NIM)
profitability
Value:
4.69%
Peer Median: 3.83%
#443 of 2508
Top 17.6% in <100M tier
Top Weaknesses (10 metrics)
2434
Asset Growth Rate
growth
Value:
-12.02%
Peer Median: 1.30%
#2434 of 2508
Bottom 3.0% in <100M tier
2392
Deposit Growth Rate
growth
Value:
-12.06%
Peer Median: 0.66%
#2392 of 2508
Bottom 4.7% in <100M tier
2161
Indirect Auto Concentration (%)
balance_sheet
Value:
0.75%
Peer Median: 0.00%
#2161 of 2508
Bottom 13.9% in <100M tier
2103
First Mortgage Concentration (%)
balance_sheet
Value:
35.68%
Peer Median: 3.66%
#2103 of 2508
Bottom 16.2% in <100M tier
2085
Members Per Employee (MPE)
engagement
Value:
206.000
Peer Median: 333.750
#2085 of 2508
Bottom 16.9% in <100M tier
2047
Net Worth Ratio
risk
Value:
10.13%
Peer Median: 14.28%
#2047 of 2508
Bottom 18.4% in <100M tier
2013
Net Charge-Off Rate
risk
Value:
0.71%
Peer Median: 0.07%
#2013 of 2508
Bottom 19.8% in <100M tier
1998
Return on Assets (ROA)
profitability
Value:
-0.04%
Peer Median: 0.61%
#1998 of 2508
Bottom 20.4% in <100M tier
1991
AMR Growth Rate
growth
Value:
-4.02%
Peer Median: 1.27%
#1991 of 2508
Bottom 20.7% in <100M tier
1990
Efficiency Ratio
profitability
Value:
95.80%
Peer Median: 81.45%
#1990 of 2508
Bottom 20.7% in <100M tier