BlastPoint's Credit Union Scorecard

OREGON COMMUNITY

Charter #65856 · OR

Mid-Market 3B-5B
78 CUs in 3B-5B nationally 3 in OR
View Mid-Market leaderboard →

OREGON COMMUNITY has 5 strengths but faces 8 concerns

National Analysis

How does the industry compare?
Mid-Market Tier

What's your peer group doing?
OR Analysis

How does OR stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.43% above tier average
  • + Net Interest Margin 2.21% above tier average
  • + Strong member growth: 7.8% YoY
  • + Loan-to-Share Ratio: Top 2.6% in tier
  • + Efficiency Ratio: Top 3.8% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 1.8% in tier
  • - Indirect Auto Dependency: Bottom 83.7% in tier
  • - Deposit Outflow: Bottom 92.6% in tier
  • - Shrinking Wallet Share: Bottom 97.1% in tier
  • - Delinquency rate 0.58% above tier average
  • - Indirect Auto Concentration (%): Bottom 3.8% in tier
  • - Net Charge-Off Rate: Bottom 6.4% in tier
  • - AMR Growth Rate: Bottom 9.0% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
Members 291,796
+7.8% YoY+1.9% QoQ
 +71.4K 220,435
-7.6% YoY
 51,194
+9.2% YoY
 33,913
+5.7% YoY
 85%
Assets $3.6B
+1.0% YoY+4.1% QoQ
 $-349.8M $3.9B
-1.5% YoY
 $843.4M
+7.6% YoY
 $578.3M
+9.0% YoY
 35%
Loans $3.2B
+0.6% YoY+6.1% QoQ
 +$282.8M $2.9B
-1.1% YoY
 $578.4M
+10.5% YoY
 $402.4M
+8.7% YoY
 65%
Deposits $2.9B
-1.5% YoY+0.0% QoQ
 $-416.8M $3.3B
-2.5% YoY
 $722.8M
+7.3% YoY
 $494.3M
+9.1% YoY
 28%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA 1.2%
+16.7% YoY+59.3% QoQ
 +0.4% 0.7%
+10.6% YoY
 0.7%
-4.2% YoY
 0.4%
-39.2% YoY
 76%
NIM 5.4%
+21.7% YoY+20.6% QoQ
 +2.2% 3.2%
+4.6% YoY
 4.0%
+4.4% YoY
 3.8%
+4.1% YoY
 Top 1.3% in tier
Efficiency Ratio 54.0%
-9.8% YoY-12.5% QoQ
 -17.3% 71.3%
-2.6% YoY
 77.9%
+0.7% YoY
 84.6%
+2.8% YoY
 Top 3.8% in tier
Delinquency Rate 1.3%
-31.6% YoY-25.0% QoQ
 +0.6 0.7%
+9.2% YoY
 1.1%
+40.5% YoY
 1.2%
+3.4% YoY
 Bottom 10.3% in tier
Loan To Share 110.2%
+2.1% YoY+6.0% QoQ
 +22.2% 88.0%
+0.9% YoY
 75.8%
+1.2% YoY
 65.6%
-1.4% YoY
 Top 3.8% in tier
AMR $20,758
-7.7% YoY+1.2% QoQ
 $-10K $30,672
+5.5% YoY
 $25,270
+0.9% YoY
 $19,920
+1.6% YoY
 Bottom 7.7% in tier
CD Concentration 23.8%
-0.3% YoY-2.9% QoQ
 -5.1% 28.8% 16.7% 19.8% 27%
Indirect Auto % 48.8%
+6.2% YoY+5.4% QoQ
 +30.8% 18.1% 13.7% 7.7% Bottom 4.2% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Shrinking Wallet Share

decline
#12 of 82 • Bottom 97.1% in tier

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

Why This Signature
AMR Growth (YoY): -7.66%
(Tier: 3.34%, National: 6.36%)
worse than tier avg
82 of 384 Mid-Market CUs have this signature | 335 nationally
↓ Shrinking -18 CUs YoY | New qualifier

Liquidity Strain

risk
#45 of 148 • Bottom 1.8% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 110.23%
(Tier: 84.20%, National: 65.58%)
but better than tier avg
Loan Growth (YoY): 0.58%
(Tier: 6.71%, National: 1.74%)
worse than tier avg
148 of 384 Mid-Market CUs have this signature | 367 nationally
→ Stable (149→148 CUs) -1 CUs YoY | Rank worsening

Deposit Outflow

decline
#13 of 23 • Bottom 92.6% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -1.52%
(Tier: 6.69%, National: 64.06%)
worse than tier avg
Member Growth (YoY): 7.84%
(Tier: 3.50%, National: 10.19%)
but better than tier avg
23 of 384 Mid-Market CUs have this signature | 98 nationally
→ No prior data (23 CUs now) | New qualifier

Indirect Auto Dependency

risk
#125 of 198 • Bottom 83.7% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 1.01%
(Tier: 6.82%, National: 1663.40%)
worse than tier avg
Indirect Auto %: 48.83%
(Tier: 18.07%, National: 7.73%)
worse than tier avg
Member Growth (YoY): 7.84%
(Tier: 3.50%, National: 10.19%)
but better than tier avg
198 of 384 Mid-Market CUs have this signature | 745 nationally
↓ Shrinking -10 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)

Comparing against 78 peers in tier

Top Strengths (8 metrics)

1
Net Interest Margin (NIM)
profitability
Value: 5.42%
Peer Median: 3.23%
#1 of 78 Top 0.1% in 3B-5B tier
3
Loan-to-Share Ratio
balance_sheet
Value: 110.23%
Peer Median: 90.65%
#3 of 78 Top 2.6% in 3B-5B tier
4
Efficiency Ratio
profitability
Value: 53.99%
Peer Median: 69.26%
#4 of 78 Top 3.8% in 3B-5B tier
9
Member Growth Rate
growth
Value: 7.84%
Peer Median: 3.36%
#9 of 78 Top 10.3% in 3B-5B tier
12
First Mortgage Concentration (%)
balance_sheet
Value: 18.54%
Peer Median: 32.80%
#12 of 78 Top 14.1% in 3B-5B tier
12
Total Members
engagement
Value: 291,796
Peer Median: 212,824
#12 of 78 Top 14.1% in 3B-5B tier
17
Share Certificate Concentration (%)
balance_sheet
Value: 23.76%
Peer Median: 31.76%
#17 of 78 Top 20.5% in 3B-5B tier
19
Return on Assets (ROA)
profitability
Value: 1.16%
Peer Median: 0.75%
#19 of 78 Top 23.1% in 3B-5B tier

Top Weaknesses (9 metrics)

76
Indirect Auto Concentration (%)
balance_sheet
Value: 48.83%
Peer Median: 18.10%
#76 of 78 Bottom 3.8% in 3B-5B tier
74
Net Charge-Off Rate
risk
Value: 1.71%
Peer Median: 0.46%
#74 of 78 Bottom 6.4% in 3B-5B tier
72
AMR Growth Rate
growth
Value: -7.66%
Peer Median: 2.86%
#72 of 78 Bottom 9.0% in 3B-5B tier
72
Average Member Relationship (AMR)
engagement
Value: $20,758
Peer Median: $28,813
#72 of 78 Bottom 9.0% in 3B-5B tier
71
Total Delinquency Rate (60+ days)
risk
Value: 1.33%
Peer Median: 0.54%
#71 of 78 Bottom 10.3% in 3B-5B tier
70
Deposit Growth Rate
growth
Value: -1.52%
Peer Median: 5.31%
#70 of 78 Bottom 11.5% in 3B-5B tier
64
Loan Growth Rate
growth
Value: 0.58%
Peer Median: 5.73%
#64 of 78 Bottom 19.2% in 3B-5B tier
63
Asset Growth Rate
growth
Value: 1.01%
Peer Median: 5.44%
#63 of 78 Bottom 20.5% in 3B-5B tier
61
Loan-to-Member Ratio (LMR)
engagement
Value: $10,884
Peer Median: $13,137
#61 of 78 Bottom 23.1% in 3B-5B tier
Link copied to clipboard!