BlastPoint's Credit Union Scorecard
OREGON STATE
Charter #68656 · OR
OREGON STATE has 14 strengths but faces 3 concerns
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How does OR stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 14.6% in tier
- + Wallet Share Momentum: Top 22.1% in tier
- + Organic Growth Leader: Top 28.4% in tier
- + ROA 0.31% above tier average
- + Net Interest Margin 0.07% above tier average
- + Strong member growth: 5.6% YoY
- + Loan Growth Rate: Top 3.6% in tier
- + Total Deposits: Top 4.6% in tier
- + Deposit Growth Rate: Top 7.6% in tier
- + AMR Growth Rate: Top 7.6% in tier
- + Total Assets: Top 7.9% in tier
- + Efficiency Ratio: Top 8.6% in tier
- + Total Loans: Top 8.9% in tier
- + Total Members: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 9.8% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 97.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
154,922
+5.6% YoY+1.3% QoQ
|
+57.5K |
97,431
-2.4% YoY
|
49,474
+8.2% YoY
|
33,374
+5.7% YoY
|
Top 10.3% in tier |
| Assets |
$2.7B
+3.5% YoY-6.8% QoQ
|
+$936.5M |
$1.7B
+0.9% YoY
|
$800.8M
+6.1% YoY
|
$561.6M
+9.7% YoY
|
Top 8.3% in tier |
| Loans |
$1.9B
+20.8% YoY+2.7% QoQ
|
+$715.4M |
$1.2B
+0.5% YoY
|
$554.3M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
Top 9.3% in tier |
| Deposits |
$2.4B
+13.6% YoY+2.0% QoQ
|
+$893.4M |
$1.5B
+0.9% YoY
|
$686.9M
+6.2% YoY
|
$477.3M
+9.7% YoY
|
Top 5.0% in tier |
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| ROA |
1.0%
+23.7% YoY-10.5% QoQ
|
+0.3% |
0.7%
+20.9% YoY
|
0.6%
+1.0% YoY
|
0.7%
+15.9% YoY
|
78% |
| NIM |
3.3%
+11.6% YoY+3.6% QoQ
|
+0.1% |
3.3%
+9.2% YoY
|
3.9%
+7.3% YoY
|
3.8%
+5.1% YoY
|
54% |
| Efficiency Ratio |
61.8%
+2.7% YoY+3.4% QoQ
|
-12.3% |
74.1%
-9.5% YoY
|
79.6%
-0.7% YoY
|
79.7%
-3.3% YoY
|
Bottom 8.6% in tier |
| Delinquency Rate |
0.7%
+22.6% YoY+42.1% QoQ
|
-0.2 |
0.9%
+6.2% YoY
|
1.1%
+23.3% YoY
|
1.3%
-2.1% YoY
|
43% |
| Loan To Share |
82.9%
+6.3% YoY+0.7% QoQ
|
-1.9% |
84.8%
-0.8% YoY
|
76.3%
+0.6% YoY
|
67.4%
-1.7% YoY
|
37% |
| AMR |
$27,773
+10.5% YoY+1.0% QoQ
|
$-2K |
$29,428
+2.4% YoY
|
$24,960
+0.4% YoY
|
$19,687
+2.0% YoY
|
50% |
| CD Concentration |
25.4%
+22.7% YoY+2.7% QoQ
|
-3.7% | 29.0% | 16.6% | 19.8% | 36% |
| Indirect Auto % |
19.9%
-22.2% YoY-3.6% QoQ
|
+1.6% | 18.3% | 13.7% | 7.8% | 58% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)