BlastPoint's Credit Union Scorecard
OREGON COMMUNITY
Charter #65856 · OR
OREGON COMMUNITY has 4 strengths but faces 8 concerns
How does the industry compare?
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How does OR stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 45.5% in tier
- + ROA 0.01% above tier average
- + Net Interest Margin 1.35% above tier average
- + Strong member growth: 6.8% YoY
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 16.7% in tier
- - Liquidity Strain: Bottom 44.9% in tier
- - Indirect Auto Dependency: Bottom 69.7% in tier
- - Delinquency rate 0.89% above tier average
- - Net Charge-Off Rate: Bottom 1.3% in tier
- - Indirect Auto Concentration (%): Bottom 6.6% in tier
- - AMR Growth Rate: Bottom 7.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
286,283
+6.8% YoY+1.0% QoQ
|
+55.9K |
230,353
-2.9% YoY
|
49,474
+8.2% YoY
|
33,374
+5.7% YoY
|
82% |
| Assets |
$3.4B
+0.6% YoY-2.3% QoQ
|
$-514.9M |
$3.9B
+0.3% YoY
|
$800.8M
+6.1% YoY
|
$561.6M
+9.7% YoY
|
26% |
| Loans |
$3.0B
-2.0% YoY-1.3% QoQ
|
+$59.4M |
$2.9B
-0.2% YoY
|
$554.3M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
50% |
| Deposits |
$2.9B
+2.1% YoY-0.1% QoQ
|
$-430.9M |
$3.3B
-0.3% YoY
|
$686.9M
+6.2% YoY
|
$477.3M
+9.7% YoY
|
24% |
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| ROA |
0.7%
-9.3% YoY-10.6% QoQ
|
+0.0% |
0.7%
+16.8% YoY
|
0.6%
+1.0% YoY
|
0.7%
+15.9% YoY
|
46% |
| NIM |
4.5%
+7.6% YoY+3.9% QoQ
|
+1.4% |
3.1%
+9.8% YoY
|
3.9%
+7.3% YoY
|
3.8%
+5.1% YoY
|
Top 2.6% in tier |
| Efficiency Ratio |
61.7%
+4.4% YoY+5.5% QoQ
|
-9.7% |
71.4%
-1.4% YoY
|
79.6%
-0.7% YoY
|
79.7%
-3.3% YoY
|
16% |
| Delinquency Rate |
1.8%
-26.7% YoY-2.6% QoQ
|
+0.9 |
0.9%
+5.8% YoY
|
1.1%
+23.3% YoY
|
1.3%
-2.1% YoY
|
Top 9.2% in tier |
| Loan To Share |
104.0%
-4.0% YoY-1.2% QoQ
|
+15.1% |
88.9%
-0.2% YoY
|
76.3%
+0.6% YoY
|
67.4%
-1.7% YoY
|
Top 13.2% in tier |
| AMR |
$20,520
-6.4% YoY-1.7% QoQ
|
$-9K |
$29,682
+1.5% YoY
|
$24,960
+0.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 10.5% in tier |
| CD Concentration |
24.5%
-2.5% YoY-4.6% QoQ
|
-4.6% | 29.0% | 16.6% | 19.8% | 30% |
| Indirect Auto % |
46.3%
+5.3% YoY-1.5% QoQ
|
+28.0% | 18.3% | 13.7% | 7.8% | Top 6.6% in tier |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)