BlastPoint's Credit Union Scorecard

TRAILHEAD

Charter #644 · OR

1077 CUs in 100M-500M nationally 18 in OR

TRAILHEAD faces 13 concerns requiring attention

National Analysis

How does the industry compare?

OR Analysis

How does OR stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 3.8% in tier
- Accelerating Exit Risk: Bottom 5.7% in tier
- Efficiency Drag: Bottom 8.8% in tier
- Wealth Migration Risk: Bottom 21.8% in tier
- Membership Headwinds: Bottom 22.6% in tier
- Institutional Decline: Bottom 24.1% in tier
- Stagnation Risk: Bottom 29.7% in tier
- ROA 1.19% below tier average
- Efficiency ratio 20.69% above tier (higher cost structure)
- Delinquency rate 0.63% above tier average
- Asset Growth Rate: Bottom 0.6% in tier
- Deposit Growth Rate: Bottom 0.9% in tier
- AMR Growth Rate: Bottom 2.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Members	8,603 -1.6% YoY-1.3% QoQ	-7.0K	15,628 -3.4% YoY	48,799 +9.4% YoY	33,089 +6.1% YoY	20%
Assets	$152.6M -10.1% YoY-3.3% QoQ	$-78.7M	$231.3M -0.0% YoY	$801.2M +7.5% YoY	$547.7M +7.8% YoY	32%
Loans	$105.5M -5.2% YoY-1.8% QoQ	$-42.3M	$147.8M -1.4% YoY	$546.0M +10.9% YoY	$388.7M +8.6% YoY	38%
Deposits	$138.8M -10.9% YoY-3.9% QoQ	$-61.5M	$200.3M -0.0% YoY	$683.7M +7.5% YoY	$464.6M +9.3% YoY	35%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-0.4% -363.4% YoY+47.2% QoQ	-1.2%	0.8% +15.5% YoY	0.7% +15.2% YoY	0.7% +273.4% YoY	Bottom 2.5% in tier
NIM	3.4% +6.8% YoY+4.2% QoQ	-0.2%	3.6% +6.9% YoY	3.9% +7.2% YoY	3.7% +5.0% YoY	39%
Efficiency Ratio	98.0% +5.4% YoY-0.0% QoQ	+20.7%	77.3% -3.0% YoY	76.2% -3.6% YoY	79.1% -3.3% YoY	Top 3.2% in tier
Delinquency Rate	1.5% -16.6% YoY-10.0% QoQ	+0.6	0.9% +7.6% YoY	0.9% -6.6% YoY	1.2% -0.9% YoY	Top 14.8% in tier
Loan To Share	76.0% +6.3% YoY+2.2% QoQ	+3.3%	72.7% -1.5% YoY	76.2% +0.8% YoY	68.0% -1.7% YoY	54%
AMR	$28,393 -7.1% YoY-1.7% QoQ	+$4K	$24,363 +2.9% YoY	$25,038 +0.5% YoY	$19,418 +1.3% YoY	78%
CD Concentration	15.2% -4.9% YoY-13.5% QoQ	-9.2%	24.4% +4.2% YoY	16.6% +1.3% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	2.7% -36.0% YoY-13.6% QoQ	-11.2%	14.0% -5.7% YoY	13.9% -0.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (7)

Shrinking Wallet Share

decline

#39 of 244 • Bottom 3.8% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -7.07%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 1077 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | New qualifier

Accelerating Exit Risk

decline

#16 of 58 • Bottom 5.7% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -1.59%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

AMR Growth (YoY): -7.07%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

58 of 1077 Community CUs have this signature | 73 nationally

↓ Shrinking -89 CUs YoY | New qualifier

Efficiency Drag

risk

#156 of 521 • Bottom 8.8% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 97.97%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.56% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -1.59%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

Wealth Migration Risk

decline

#25 of 28 • Bottom 21.8% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature

Avg Member Relationship: $28.4K

(Tier: $25.0K, National: $19.4K)

but better than tier avg

AMR Growth (YoY): -7.07%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

28 of 1077 Community CUs have this signature | 39 nationally

↓ Shrinking -32 CUs YoY | New qualifier

Membership Headwinds

decline

#373 of 550 • Bottom 22.6% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.59%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY

Institutional Decline

decline

#191 of 256 • Bottom 24.1% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $152.61M

(Tier: $331.87M, National: $547.69M)

worse than tier avg

Member Growth (YoY): -1.59%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -5.25%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | Rank improving

Stagnation Risk

risk

#490 of 550 • Bottom 29.7% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.59%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -5.25%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 1.48%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (3 metrics)

236

Average Member Relationship (AMR)

engagement

Value: $28,393

Peer Avg: -

#236 of 1077 Top 21.8% in 100M-500M tier

240

Loan-to-Member Ratio (LMR)

engagement

Value: $12,261

Peer Avg: -

#240 of 1077 Top 22.2% in 100M-500M tier

248

Share Certificate Concentration (%)

balance_sheet

Value: 15.18%

Peer Avg: -

#248 of 1077 Top 22.9% in 100M-500M tier

Top Weaknesses (10 metrics)

1071

Asset Growth Rate

growth

Value: -10.05%

Peer Avg: -

#1071 of 1077 Bottom 0.6% in 100M-500M tier

1068

Deposit Growth Rate

growth

Value: -10.91%

Peer Avg: -

#1068 of 1077 Bottom 0.9% in 100M-500M tier

1050

Return on Assets (ROA)

profitability

Value: -0.41%

Peer Avg: -

#1050 of 1077 Bottom 2.6% in 100M-500M tier

1047

AMR Growth Rate

growth

Value: -7.07%

Peer Avg: -

#1047 of 1077 Bottom 2.9% in 100M-500M tier

1043

Efficiency Ratio

profitability

Value: 97.97%

Peer Avg: -

#1043 of 1077 Bottom 3.2% in 100M-500M tier

954

Loan Growth Rate

growth

Value: -5.25%

Peer Avg: -

#954 of 1077 Bottom 11.5% in 100M-500M tier

919

Total Delinquency Rate (60+ days)

risk

Value: 1.48%

Peer Avg: -

#919 of 1077 Bottom 14.8% in 100M-500M tier

902

Members Per Employee (MPE)

engagement

Value: 245.800

Peer Avg: -

#902 of 1077 Bottom 16.3% in 100M-500M tier

860

Total Members

engagement

Value: 8,603

Peer Avg: -

#860 of 1077 Bottom 20.2% in 100M-500M tier

828

Net Charge-Off Rate

risk

Value: 0.64%

Peer Avg: -

#828 of 1077 Bottom 23.2% in 100M-500M tier