BlastPoint's Credit Union Scorecard

OREGON COMMUNITY

Charter #65856 · OR

Mid-Market 3B-5B

77 CUs in 3B-5B nationally 4 in OR

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OREGON COMMUNITY has 3 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

+ Net Interest Margin 1.51% above tier average
+ Strong member growth: 6.6% YoY
+ Loan-to-Share Ratio: Top 3.9% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 2.4% in tier
- Indirect Auto Dependency: Bottom 77.4% in tier
- Deposit Outflow: Bottom 89.8% in tier
- Shrinking Wallet Share: Bottom 96.5% in tier
- ROA 0.05% below tier average
- Delinquency rate 0.66% above tier average
- Indirect Auto Concentration (%): Bottom 3.9% in tier
- Net Charge-Off Rate: Bottom 6.5% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 77 credit unions with $3B-$5B in assets nationally, and 1 of 4 that size in Oregon.
Shares and deposits -0.7% year over year ($2.98B in shares and deposits).
Membership: 298,481 members, +6.6% vs a year ago.
Delinquency rate 1.49%.
Return on assets 0.88%.
Efficiency ratio 58.66% vs a 69.45% peer average.
Loan-to-share ratio 110.10% vs a 90.24% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Members	298,481 +6.6% YoY+2.3% QoQ	+81.9K	216,545 -9.5% YoY	51,821 +9.3% YoY	34,678 +6.6% YoY	Top 11.7% in tier
Assets	$3.7B +1.8% YoY+3.9% QoQ	$-198.5M	$3.9B -1.6% YoY	$850.7M +8.9% YoY	$593.1M +10.2% YoY	42%
Loans	$3.3B +0.0% YoY+3.4% QoQ	+$353.1M	$2.9B -1.2% YoY	$590.7M +10.5% YoY	$418.6M +10.1% YoY	70%
Deposits	$3.0B -0.7% YoY+3.5% QoQ	$-274.4M	$3.3B -2.6% YoY	$725.1M +8.5% YoY	$504.8M +10.3% 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	0.9% +7.1% YoY-23.8% QoQ	-0.1%	0.9% +25.3% YoY	0.8% +19.1% YoY	1.2% +121.4% YoY	47%
NIM	4.7% +6.6% YoY-12.5% QoQ	+1.5%	3.2% +3.8% YoY	4.0% +5.3% YoY	3.8% +2.3% YoY	Top 1.3% in tier
Efficiency Ratio	58.7% +2.2% YoY+8.7% QoQ	-10.8%	69.5% -2.3% YoY	78.0% +0.7% YoY	83.0% -5.3% YoY	Top 10.4% in tier
Delinquency Rate	1.5% -9.7% YoY+12.3% QoQ	+0.7	0.8% +5.5% YoY	1.1% +29.8% YoY	1.3% +2.6% YoY	Bottom 10.4% in tier
Loan To Share	110.1% +0.7% YoY-0.1% QoQ	+19.9%	90.2% +0.9% YoY	76.6% +0.5% YoY	66.4% -1.4% YoY	Top 5.2% in tier
AMR	$20,997 -6.5% YoY+1.2% QoQ	$-10K	$31,018 +6.9% YoY	$25,405 +1.6% YoY	$20,028 -0.9% YoY	Bottom 6.5% in tier
CD Concentration	22.4% -8.0% YoY-5.6% QoQ	-6.7%	29.1%	16.7%	20.0%	23%
Indirect Auto %	49.6% -0.1% YoY+1.7% QoQ	+31.6%	18.1%	13.6%	7.7%	Bottom 4.0% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Shrinking Wallet Share

decline

#14 of 69 • Bottom 96.5% in tier

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

Why This Signature

AMR Growth (YoY): -6.49%

(Tier: 3.62%, National: 35.20%)

worse than tier avg

69 of 377 Mid-Market CUs have this signature | 308 nationally

↓ Shrinking -22 CUs YoY | New qualifier

Liquidity Strain

risk

#60 of 168 • Bottom 2.4% in tier

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

Why This Signature

Loan-to-Share Ratio: 110.10%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 0.02%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#107 of 193 • Bottom 77.4% in tier

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

Why This Signature

Asset Growth (YoY): 1.78%

(Tier: 6.52%, National: 3.30%)

worse than tier avg

Indirect Auto %: 49.65%

(Tier: 18.08%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 6.59%

(Tier: 3.16%, National: 15.67%)

but better than tier avg

193 of 377 Mid-Market CUs have this signature | 714 nationally

↓ Shrinking -10 CUs YoY | Rank worsening

Deposit Outflow

decline

#20 of 23 • Bottom 89.8% 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): -0.71%

(Tier: 6.36%, National: 100.69%)

worse than tier avg

Member Growth (YoY): 6.59%

(Tier: 3.16%, National: 15.67%)

but better than tier avg

23 of 377 Mid-Market CUs have this signature | 109 nationally

→ Stable (22→23 CUs) +1 CUs YoY | 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 77 peers in tier

Top Strengths (7 metrics)

Net Interest Margin (NIM)

profitability

Value: 4.74%

Peer Median: 3.28%

#1 of 77 Top 0.1% in 3B-5B tier

Loan-to-Share Ratio

balance_sheet

Value: 110.10%

Peer Median: 93.34%

#4 of 77 Top 3.9% in 3B-5B tier

Efficiency Ratio

profitability

Value: 58.66%

Peer Median: 68.32%

#9 of 77 Top 10.4% in 3B-5B tier

First Mortgage Concentration (%)

balance_sheet

Value: 17.66%

Peer Median: 32.92%

#9 of 77 Top 10.4% in 3B-5B tier

Total Members

engagement

Value: 298,481

Peer Median: 211,695

#9 of 77 Top 10.4% in 3B-5B tier

Share Certificate Concentration (%)

balance_sheet

Value: 22.42%

Peer Median: 32.00%

#12 of 77 Top 14.3% in 3B-5B tier

Member Growth Rate

growth

Value: 6.59%

Peer Median: 3.08%

#13 of 77 Top 15.6% in 3B-5B tier

Top Weaknesses (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 49.65%

Peer Median: 18.00%

#75 of 77 Bottom 3.9% in 3B-5B tier

Net Charge-Off Rate

risk

Value: 1.76%

Peer Median: 0.47%

#73 of 77 Bottom 6.5% in 3B-5B tier

Average Member Relationship (AMR)

engagement

Value: $20,997

Peer Median: $28,880

#72 of 77 Bottom 7.8% in 3B-5B tier

AMR Growth Rate

growth

Value: -6.49%

Peer Median: 3.17%

#71 of 77 Bottom 9.1% in 3B-5B tier

Total Delinquency Rate (60+ days)

risk

Value: 1.49%

Peer Median: 0.63%

#70 of 77 Bottom 10.4% in 3B-5B tier

Deposit Growth Rate

growth

Value: -0.71%

Peer Median: 5.62%

#69 of 77 Bottom 11.7% in 3B-5B tier

Loan Growth Rate

growth

Value: 0.02%

Peer Median: 6.20%

#65 of 77 Bottom 16.9% in 3B-5B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $11,003

Peer Median: $13,282

#64 of 77 Bottom 18.2% in 3B-5B tier

Asset Growth Rate

growth

Value: 1.78%

Peer Median: 5.91%

#61 of 77 Bottom 22.1% in 3B-5B tier