OREGON COMMUNITY

Charter #65856 | OR

3B-5B (76 CUs) Mid-Market (380 CUs)
3 3B-5B in OR

OREGON COMMUNITY has 5 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 12.0% in tier
  • + ROA 0.07% above tier average
  • + Net Interest Margin 1.12% above tier average
  • + Strong member growth: 7.6% YoY
  • + Loan-to-Share Ratio: Top 9.2% in tier

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 5.3% in tier
  • - Liquidity Strain: Bottom 12.2% in tier
  • - Indirect Auto Dependency: Bottom 14.8% in tier
  • - Delinquency rate 0.97% above tier average
  • - Net Charge-Off Rate: Bottom 1.3% in tier
  • - Indirect Auto Concentration (%): Bottom 7.9% in tier
  • - AMR Growth Rate: Bottom 9.2% in tier
  • - Total Delinquency Rate (60+ days): Bottom 9.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
Members 283,487
+7.6% YoY+1.2% QoQ
 +45.0K 238,465
+0.6% YoY
 48,799
+9.4% YoY
 33,089
+6.1% YoY
 Top 23.7% in tier
Assets $3.5B
+2.7% YoY-3.6% QoQ
 $-464.0M $4.0B
-0.1% YoY
 $801.2M
+7.5% YoY
 $547.7M
+7.8% YoY
 26th in tier
Loans $3.0B
-0.3% YoY-7.6% QoQ
 +$14.9M $3.0B
+3.3% YoY
 $546.0M
+10.9% YoY
 $388.7M
+8.6% YoY
 51st in tier
Deposits $2.9B
+3.0% YoY-4.0% QoQ
 $-449.0M $3.3B
+1.1% YoY
 $683.7M
+7.5% YoY
 $464.6M
+9.3% YoY
 Bottom 21.1% in tier
ROA 0.8%
-1.9% YoY-1.3% QoQ
 +0.1% 0.7%
+5.3% YoY
 0.7%
+15.2% YoY
 0.7%
+273.4% YoY
 50th in tier
NIM 4.3%
+4.9% YoY-2.8% QoQ
 +1.1% 3.2%
+13.7% YoY
 3.9%
+7.2% YoY
 3.7%
+5.0% YoY
 Top 5.3% in tier
Efficiency Ratio 58.5%
-2.3% YoY+2.0% QoQ
 -12.7% 71.3%
-0.6% YoY
 76.2%
-3.6% YoY
 79.1%
-3.3% YoY
 Bottom 10.5% in tier
Delinquency Rate 1.8%
-1.1% YoY+10.2% QoQ
 +1.0 0.8%
+15.9% YoY
 0.9%
-6.6% YoY
 1.2%
-0.9% YoY
 Top 9.2% in tier
Loan To Share 105.2%
-3.1% YoY-3.8% QoQ
 +14.3% 90.8%
+2.0% YoY
 76.2%
+0.8% YoY
 68.0%
-1.7% YoY
 Top 10.5% in tier
AMR $20,876
-5.8% YoY-7.0% QoQ
 $-8K $29,088
+0.1% YoY
 $25,038
+0.5% YoY
 $19,418
+1.3% YoY
 Bottom 11.8% in tier
CD Concentration 25.7%
+1.1% YoY+5.3% QoQ
 -3.3% 29.0%
+0.8% YoY
 16.6%
+1.3% YoY
 19.6%
+6.2% YoY
 36th in tier
Indirect Auto % 47.0%
+8.7% YoY-5.4% QoQ
 +28.2% 18.8%
-2.8% YoY
 13.9%
-0.5% YoY
 7.9%
-2.9% YoY
 Top 6.6% in tier

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#88 of 246 • Top 12.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 7.58%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.81%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 47.02%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | New qualifier

Concerns (3)

Shrinking Wallet Share

decline
#17 of 83 • Bottom 5.3% in tier

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

Why This Signature
AMR Growth (YoY): -5.85%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 CUs YoY | New qualifier

Liquidity Strain

risk
#65 of 183 • Bottom 12.2% in tier

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

Why This Signature
Loan-to-Share Ratio: 105.19%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): -0.26%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#92 of 202 • Bottom 14.8% in tier

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

Why This Signature
Asset Growth (YoY): 2.72%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 47.02%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 7.58%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 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 76 peers in tier

Top Strengths (6 metrics)

4
Net Interest Margin (NIM)
profitability
Value: 4.32%
Peer Avg: 3.20%
#4 of 76 Top 3.9% in 3B-5B tier
8
Loan-to-Share Ratio
balance_sheet
Value: 105.19%
Peer Avg: 90.85%
#8 of 76 Top 9.2% in 3B-5B tier
9
Efficiency Ratio
profitability
Value: 58.53%
Peer Avg: 71.26%
#9 of 76 Top 10.5% in 3B-5B tier
11
Member Growth Rate
growth
Value: 7.58%
Peer Avg: 7.02%
#11 of 76 Top 13.2% in 3B-5B tier
14
First Mortgage Concentration (%)
balance_sheet
Value: 19.43%
Peer Avg: 34.35%
#14 of 76 Top 17.1% in 3B-5B tier
18
Total Members
engagement
Value: 283,487
Peer Avg: 238,466
#18 of 76 Top 22.4% in 3B-5B tier

Top Weaknesses (8 metrics)

76
Net Charge-Off Rate
risk
Value: 3.05%
Peer Avg: 0.64%
#76 of 76 Bottom 1.3% in 3B-5B tier
71
Indirect Auto Concentration (%)
balance_sheet
Value: 47.02%
Peer Avg: 20.57%
#71 of 76 Bottom 7.9% in 3B-5B tier
70
AMR Growth Rate
growth
Value: -5.85%
Peer Avg: 2.07%
#70 of 76 Bottom 9.2% in 3B-5B tier
70
Total Delinquency Rate (60+ days)
risk
Value: 1.82%
Peer Avg: 0.84%
#70 of 76 Bottom 9.2% in 3B-5B tier
67
Average Member Relationship (AMR)
engagement
Value: $20,876
Peer Avg: $29,088
#67 of 76 Bottom 13.2% in 3B-5B tier
65
Loan Growth Rate
growth
Value: -0.26%
Peer Avg: 9.56%
#65 of 76 Bottom 15.8% in 3B-5B tier
60
Total Deposits
balance_sheet
Value: $2.88B
Peer Avg: $3.33B
#60 of 76 Bottom 22.4% in 3B-5B tier
59
Loan-to-Member Ratio (LMR)
engagement
Value: $10,702
Peer Avg: $13,761
#59 of 76 Bottom 23.7% in 3B-5B tier