BlastPoint's Credit Union Scorecard

TRAILHEAD

Charter #644 · OR

1069 CUs in 100M-500M nationally 18 in OR

TRAILHEAD has 1 strength but faces 15 concerns

National Analysis

How does the industry compare?

OR Analysis

How does OR stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.61% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 0.6% in tier
- Efficiency Drag: Bottom 23.7% in tier
- Stagnation Risk: Bottom 25.9% in tier
- Accelerating Exit Risk: Bottom 29.1% in tier
- Shrinking Wallet Share: Bottom 35.3% in tier
- Membership Headwinds: Bottom 71.4% in tier
- Institutional Decline: Bottom 78.2% in tier
- Wealth Migration Risk: Bottom 89.5% in tier
- ROA 1.00% below tier average
- Efficiency ratio 15.50% above tier (higher cost structure)
- Delinquency rate 2.13% above tier average
- Total Delinquency Rate (60+ days): Bottom 2.2% in tier
- Deposit Growth Rate: Bottom 2.2% in tier
- Asset Growth Rate: Bottom 3.4% in tier
- AMR Growth Rate: Bottom 5.8% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Members	8,532 -1.6% YoY-0.8% QoQ	-6.9K	15,437 -2.9% YoY	49,474 +8.2% YoY	33,374 +5.7% YoY	20%
Assets	$156.4M -4.2% YoY+2.5% QoQ	$-75.5M	$231.9M +1.3% YoY	$800.8M +6.1% YoY	$561.6M +9.7% YoY	33%
Loans	$105.1M -4.5% YoY-0.4% QoQ	$-42.3M	$147.3M -0.1% YoY	$554.3M +9.3% YoY	$397.0M +8.8% YoY	37%
Deposits	$141.5M -5.8% YoY+2.0% QoQ	$-59.3M	$200.8M +0.8% YoY	$686.9M +6.2% YoY	$477.3M +9.7% YoY	36%

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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	-0.2% -262.9% YoY-40.9% QoQ	-1.0%	0.8% +18.2% YoY	0.6% +1.0% YoY	0.7% +15.9% YoY	Bottom 4.0% in tier
NIM	4.2% +32.3% YoY+23.4% QoQ	+0.6%	3.6% +6.7% YoY	3.9% +7.3% YoY	3.8% +5.1% YoY	82%
Efficiency Ratio	92.5% -0.2% YoY-5.6% QoQ	+15.5%	77.0% -3.1% YoY	79.6% -0.7% YoY	79.7% -3.3% YoY	Top 6.2% in tier
Delinquency Rate	3.0% +264.8% YoY+104.1% QoQ	+2.1	0.9% +4.2% YoY	1.1% +23.3% YoY	1.3% -2.1% YoY	Top 2.2% in tier
Loan To Share	74.2% +1.3% YoY-2.3% QoQ	+2.0%	72.2% -1.1% YoY	76.3% +0.6% YoY	67.4% -1.7% YoY	51%
AMR	$28,896 -3.7% YoY+1.8% QoQ	+$4K	$24,676 +3.4% YoY	$24,960 +0.4% YoY	$19,687 +2.0% YoY	78%
CD Concentration	14.2% -17.9% YoY-6.3% QoQ	-10.2%	24.4%	16.6%	19.8%	50%
Indirect Auto %	2.5% -36.0% YoY-9.3% QoQ	-11.3%	13.8%	13.7%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (8)

Credit Quality Pressure

risk

#5 of 705 • Bottom 0.6% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 2.20% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Efficiency Drag

risk

#128 of 538 • Bottom 23.7% in tier

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

Why This Signature

Efficiency Ratio: 92.52%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.39% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -1.61%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Stagnation Risk

risk

#144 of 554 • Bottom 25.9% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.61%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -4.55%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 3.03%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Accelerating Exit Risk

decline

#17 of 56 • Bottom 29.1% in tier

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

Why This Signature

Member Growth (YoY): -1.61%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

AMR Growth (YoY): -3.73%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

56 of 1069 Mid-Small & Community CUs have this signature | 69 nationally

→ No prior data (56 CUs now) | New qualifier

Shrinking Wallet Share

decline

#74 of 208 • Bottom 35.3% in tier

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

Why This Signature

AMR Growth (YoY): -3.73%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | New qualifier

Membership Headwinds

decline

#396 of 554 • Bottom 71.4% in tier

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

Why This Signature

Member Growth (YoY): -1.61%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Institutional Decline

decline

#188 of 240 • Bottom 78.2% in tier

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

Why This Signature

Total Assets: $156.36M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -1.61%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -4.55%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Wealth Migration Risk

decline

#18 of 20 • Bottom 89.5% in tier

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

Why This Signature

Avg Member Relationship: $28.9K

(Tier: $25.3K, National: $19.7K)

but better than tier avg

AMR Growth (YoY): -3.73%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

20 of 1069 Mid-Small & Community CUs have this signature | 34 nationally

→ No prior data (20 CUs now) | New qualifier

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 1069 peers in tier

Top Strengths (4 metrics)

189

Net Interest Margin (NIM)

profitability

Value: 4.22%

Peer Median: -

#189 of 1069 Top 17.6% in 100M-500M tier

215

Share Certificate Concentration (%)

balance_sheet

Value: 14.22%

Peer Median: -

#215 of 1069 Top 20.0% in 100M-500M tier

233

Average Member Relationship (AMR)

engagement

Value: $28,896

Peer Median: -

#233 of 1069 Top 21.7% in 100M-500M tier

235

Loan-to-Member Ratio (LMR)

engagement

Value: $12,313

Peer Median: -

#235 of 1069 Top 21.9% in 100M-500M tier

Top Weaknesses (11 metrics)

1047

Total Delinquency Rate (60+ days)

risk

Value: 3.03%

Peer Median: -

#1047 of 1069 Bottom 2.2% in 100M-500M tier

1046

Deposit Growth Rate

growth

Value: -5.82%

Peer Median: -

#1046 of 1069 Bottom 2.2% in 100M-500M tier

1034

Asset Growth Rate

growth

Value: -4.19%

Peer Median: -

#1034 of 1069 Bottom 3.4% in 100M-500M tier

1026

Return on Assets (ROA)

profitability

Value: -0.24%

Peer Median: -

#1026 of 1069 Bottom 4.1% in 100M-500M tier

1008

AMR Growth Rate

growth

Value: -3.73%

Peer Median: -

#1008 of 1069 Bottom 5.8% in 100M-500M tier

1004

Efficiency Ratio

profitability

Value: 92.52%

Peer Median: -

#1004 of 1069 Bottom 6.2% in 100M-500M tier

956

Fee Income Per Member

profitability

Value: $90.05

Peer Median: -

#956 of 1069 Bottom 10.7% in 100M-500M tier

933

Loan Growth Rate

growth

Value: -4.55%

Peer Median: -

#933 of 1069 Bottom 12.8% in 100M-500M tier

861

Members Per Employee (MPE)

engagement

Value: 250.941

Peer Median: -

#861 of 1069 Bottom 19.6% in 100M-500M tier

851

Total Members

engagement

Value: 8,532

Peer Median: -

#851 of 1069 Bottom 20.5% in 100M-500M tier