BlastPoint's Credit Union Scorecard
TRAILHEAD
Charter #644 · OR
TRAILHEAD has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.44% above tier average
- + Net Interest Margin 0.31% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Efficiency ratio 23.47% above tier (higher cost structure)
- - Delinquency rate 3.26% above tier average
- - Member decline: -2.8% YoY
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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 16 that size in Oregon.
- Shares and deposits -2.5% year over year ($141M in shares and deposits).
- Membership: 8,477 members, -2.8% vs a year ago.
- Delinquency rate 4.14%.
- Return on assets 1.30%.
- Efficiency ratio 100.20% vs a 76.73% peer average.
- Loan-to-share ratio 74.02% vs a 71.54% 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 |
8,477
-2.8% YoY-0.8% QoQ
|
-6.7K |
15,168
-2.6% YoY
|
51,821
+9.3% YoY
|
34,678
+6.6% YoY
|
22% |
| Assets |
$156.0M
-1.2% YoY+0.3% QoQ
|
$-76.1M |
$232.0M
+0.7% YoY
|
$850.7M
+8.9% YoY
|
$593.1M
+10.2% YoY
|
33% |
| Loans |
$104.3M
-2.9% YoY+0.0% QoQ
|
$-42.0M |
$146.3M
+0.2% YoY
|
$590.7M
+10.5% YoY
|
$418.6M
+10.1% YoY
|
38% |
| Deposits |
$140.8M
-2.5% YoY-0.2% QoQ
|
$-59.9M |
$200.7M
+0.2% YoY
|
$725.1M
+8.5% YoY
|
$504.8M
+10.3% YoY
|
36% |
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| ROA |
1.3%
-571.8% YoY-210.5% QoQ
|
+0.4% |
0.9%
+12.5% YoY
|
0.8%
+19.1% YoY
|
1.2%
+121.4% YoY
|
81% |
| NIM |
4.0%
+21.9% YoY+1.2% QoQ
|
+0.3% |
3.7%
+4.5% YoY
|
4.0%
+5.3% YoY
|
3.8%
+2.3% YoY
|
70% |
| Efficiency Ratio |
100.2%
+2.2% YoY+2.7% QoQ
|
+23.5% |
76.7%
-0.8% YoY
|
78.0%
+0.7% YoY
|
83.0%
-5.3% YoY
|
Bottom 1.8% in tier |
| Delinquency Rate |
4.1%
+151.2% YoY+7.1% QoQ
|
+3.3 |
0.9%
+6.6% YoY
|
1.1%
+29.8% YoY
|
1.3%
+2.6% YoY
|
Bottom 1.1% in tier |
| Loan To Share |
74.0%
-0.4% YoY+0.3% QoQ
|
+2.5% |
71.5%
-0.3% YoY
|
76.6%
+0.5% YoY
|
66.4%
-1.4% YoY
|
51% |
| AMR |
$28,912
+0.1% YoY+0.7% QoQ
|
+$4K |
$25,107
+3.2% YoY
|
$25,405
+1.6% YoY
|
$20,028
-0.9% YoY
|
77% |
| CD Concentration |
13.6%
-22.4% YoY+3.2% QoQ
|
-10.9% | 24.6% | 16.7% | 20.0% | 50% |
| Indirect Auto % |
1.8%
-42.0% YoY-15.8% QoQ
|
-11.8% | 13.6% | 13.6% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)