BlastPoint's Credit Union Scorecard
TRAILHEAD
Charter #644 · OR
TRAILHEAD has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.32% 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
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Accelerating Exit Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - ROA 1.90% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,546
-1.7% YoY+0.2% QoQ
|
-6.6K |
15,145
-2.5% YoY
|
51,194
+9.2% YoY
|
33,913
+5.7% YoY
|
22% |
| Assets |
$155.5M
-2.3% YoY-0.6% QoQ
|
$-76.2M |
$231.7M
+0.8% YoY
|
$843.4M
+7.6% YoY
|
$578.3M
+9.0% YoY
|
33% |
| Loans |
$104.2M
-3.5% YoY-0.8% QoQ
|
$-39.9M |
$144.1M
+0.2% YoY
|
$578.4M
+10.5% YoY
|
$402.4M
+8.7% YoY
|
38% |
| Deposits |
$141.2M
-3.2% YoY-0.2% QoQ
|
$-60.0M |
$201.1M
+0.4% YoY
|
$722.8M
+7.3% YoY
|
$494.3M
+9.1% YoY
|
36% |
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| ROA |
-1.2%
+390.8% QoQ
|
-1.9% |
0.7%
+5.1% YoY
|
0.7%
-4.2% YoY
|
0.4%
-39.2% YoY
|
Bottom 1.0% in tier |
| NIM |
3.9%
+26.2% YoY-6.4% QoQ
|
+0.3% |
3.6%
+4.6% YoY
|
4.0%
+4.4% YoY
|
3.8%
+4.1% YoY
|
71% |
| Efficiency Ratio |
97.6%
-2.2% YoY+5.5% QoQ
|
+19.6% |
78.0%
-1.7% YoY
|
77.9%
+0.7% YoY
|
84.6%
+2.8% YoY
|
Bottom 4.1% in tier |
| Delinquency Rate |
3.9%
+92.2% YoY+27.7% QoQ
|
+3.1 |
0.8%
+7.1% YoY
|
1.1%
+40.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 0.8% in tier |
| Loan To Share |
73.8%
-0.3% YoY-0.6% QoQ
|
+3.4% |
70.4%
-0.4% YoY
|
75.8%
+1.2% YoY
|
65.6%
-1.4% YoY
|
54% |
| AMR |
$28,710
-1.7% YoY-0.6% QoQ
|
+$4K |
$24,918
+2.7% YoY
|
$25,270
+0.9% YoY
|
$19,920
+1.6% YoY
|
77% |
| CD Concentration |
13.2%
-20.9% YoY-7.3% QoQ
|
-11.1% | 24.3% | 16.7% | 19.8% | 50% |
| Indirect Auto % |
2.2%
-36.9% YoY-12.2% QoQ
|
-11.6% | 13.8% | 13.7% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (7)
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.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
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)