BlastPoint's Credit Union Scorecard
FORRIT
Charter #64103 · OR
2596 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 0.64% above tier average
- + Total Loans: Top 0.9% in tier
- + Loan-to-Member Ratio (LMR): Top 2.5% in tier
- + Total Deposits: Top 3.1% in tier
- + Average Member Relationship (AMR): Top 3.4% in tier
- + Total Assets: Top 4.3% in tier
- + Fee Income Per Member: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - ROA 2.61% below tier average
- - Efficiency ratio 20.91% above tier (higher cost structure)
- - Member decline: -4.6% YoY
- - Asset Growth Rate: Bottom 5.6% in tier
- - Deposit Growth Rate: Bottom 8.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,594
-4.6% YoY-1.3% QoQ
|
+2.0K |
2,625
-2.2% YoY
|
48,799
+9.4% YoY
|
33,089
+6.1% YoY
|
83% |
| Assets |
$88.4M
-9.8% YoY-3.7% QoQ
|
+$58.6M |
$29.9M
+1.1% YoY
|
$801.2M
+7.5% YoY
|
$547.7M
+7.8% YoY
|
Top 4.3% in tier |
| Loans |
$65.5M
+6.5% YoY-0.6% QoQ
|
+$49.7M |
$15.8M
-2.4% YoY
|
$546.0M
+10.9% YoY
|
$388.7M
+8.6% YoY
|
Top 1.0% in tier |
| Deposits |
$78.7M
-9.4% YoY-3.6% QoQ
|
+$53.3M |
$25.5M
+0.4% YoY
|
$683.7M
+7.5% YoY
|
$464.6M
+9.3% YoY
|
Top 3.1% in tier |
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| ROA |
-1.9%
+988.2% YoY+5.4% QoQ
|
-2.6% |
0.7%
-731.4% YoY
|
0.7%
+15.2% YoY
|
0.7%
+273.4% YoY
|
Bottom 3.2% in tier |
| NIM |
4.6%
+19.0% YoY+5.3% QoQ
|
+0.6% |
3.9%
+3.8% YoY
|
3.9%
+7.2% YoY
|
3.7%
+5.0% YoY
|
75% |
| Efficiency Ratio |
102.3%
+5.1% YoY-1.5% QoQ
|
+20.9% |
81.4%
-2.4% YoY
|
76.2%
-3.6% YoY
|
79.1%
-3.3% YoY
|
Top 9.6% in tier |
| Delinquency Rate |
1.4%
+58.4% YoY+35.2% QoQ
|
-0.1 |
1.5%
-2.0% YoY
|
0.9%
-6.6% YoY
|
1.2%
-0.9% YoY
|
70% |
| Loan To Share |
83.1%
+17.6% YoY+3.1% QoQ
|
+21.9% |
61.2%
-3.0% YoY
|
76.2%
+0.8% YoY
|
68.0%
-1.7% YoY
|
81% |
| AMR |
$31,393
+1.8% YoY-1.0% QoQ
|
+$17K |
$14,627
-2.7% YoY
|
$25,038
+0.5% YoY
|
$19,418
+1.3% YoY
|
Top 3.4% in tier |
| CD Concentration |
8.5%
-54.6% YoY-8.0% QoQ
|
-15.9% |
24.4%
+4.2% YoY
|
16.6%
+1.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
1.0%
-56.5% YoY-15.2% QoQ
|
-12.9% |
14.0%
-5.7% YoY
|
13.9%
-0.5% YoY
|
7.9%
-2.9% YoY
|
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)
25
Total Loans
balance_sheet
Value:
$65.47M
Peer Avg: -
#25 of 2596
Top 0.9% in <100M tier
66
Loan-to-Member Ratio (LMR)
engagement
Value:
$14,252
Peer Avg: -
#66 of 2596
Top 2.5% in <100M tier
81
Total Deposits
balance_sheet
Value:
$78.75M
Peer Avg: -
#81 of 2596
Top 3.1% in <100M tier
89
Average Member Relationship (AMR)
engagement
Value:
$31,393
Peer Avg: -
#89 of 2596
Top 3.4% in <100M tier
112
Total Assets
balance_sheet
Value:
$88.42M
Peer Avg: -
#112 of 2596
Top 4.3% in <100M tier
236
Fee Income Per Member
profitability
Value:
$175.73
Peer Avg: -
#236 of 2596
Top 9.1% in <100M tier
442
Total Members
engagement
Value:
4,594
Peer Avg: -
#442 of 2596
Top 17.0% in <100M tier
443
Loan Growth Rate
growth
Value:
6.51%
Peer Avg: -
#443 of 2596
Top 17.0% in <100M tier
481
Loan-to-Share Ratio
balance_sheet
Value:
83.15%
Peer Avg: -
#481 of 2596
Top 18.5% in <100M tier
640
Net Interest Margin (NIM)
profitability
Value:
4.57%
Peer Avg: -
#640 of 2596
Top 24.6% in <100M tier
Top Weaknesses (10 metrics)
2512
Return on Assets (ROA)
profitability
Value:
-1.93%
Peer Avg: -
#2512 of 2596
Bottom 3.3% in <100M tier
2451
Asset Growth Rate
growth
Value:
-9.77%
Peer Avg: -
#2451 of 2596
Bottom 5.6% in <100M tier
2390
Deposit Growth Rate
growth
Value:
-9.41%
Peer Avg: -
#2390 of 2596
Bottom 8.0% in <100M tier
2347
Efficiency Ratio
profitability
Value:
102.30%
Peer Avg: -
#2347 of 2596
Bottom 9.6% in <100M tier
2235
Net Charge-Off Rate
risk
Value:
1.01%
Peer Avg: -
#2235 of 2596
Bottom 13.9% in <100M tier
2230
Indirect Auto Concentration (%)
balance_sheet
Value:
1.04%
Peer Avg: -
#2230 of 2596
Bottom 14.1% in <100M tier
2195
Members Per Employee (MPE)
engagement
Value:
199.739
Peer Avg: -
#2195 of 2596
Bottom 15.5% in <100M tier
2115
First Mortgage Concentration (%)
balance_sheet
Value:
32.12%
Peer Avg: -
#2115 of 2596
Bottom 18.6% in <100M tier
2098
Net Worth Ratio
risk
Value:
10.30%
Peer Avg: -
#2098 of 2596
Bottom 19.2% in <100M tier
2082
Member Growth Rate
growth
Value:
-4.55%
Peer Avg: -
#2082 of 2596
Bottom 19.8% in <100M tier