BlastPoint's Credit Union Scorecard
OREGON STATE
Charter #68656 · OR
OREGON STATE has 8 strengths but faces 4 concerns
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How does OR stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 10.3% in tier
- + ROA 0.17% above tier average
- + Net Interest Margin 0.21% above tier average
- + Strong member growth: 6.2% YoY
- + Total Deposits: Top 2.6% in tier
- + Loan Growth Rate: Top 3.9% in tier
- + Total Assets: Top 5.9% in tier
- + Deposit Growth Rate: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 4.5% in tier
- - Credit Quality Pressure: Bottom 23.4% in tier
- - Margin Compression: Bottom 32.9% in tier
- - Indirect Auto Dependency: Bottom 66.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
157,508
+6.2% YoY+1.7% QoQ
|
+61.5K |
96,048
-2.7% YoY
|
51,194
+9.2% YoY
|
33,913
+5.7% YoY
|
Top 9.2% in tier |
| Assets |
$2.7B
+3.5% YoY+2.5% QoQ
|
+$1.0B |
$1.7B
+0.4% YoY
|
$843.4M
+7.6% YoY
|
$578.3M
+9.0% YoY
|
Top 6.2% in tier |
| Loans |
$2.0B
+19.7% YoY+0.2% QoQ
|
+$740.7M |
$1.2B
+0.2% YoY
|
$578.4M
+10.5% YoY
|
$402.4M
+8.7% YoY
|
Top 8.8% in tier |
| Deposits |
$2.4B
+14.1% YoY+2.9% QoQ
|
+$954.6M |
$1.5B
+0.5% YoY
|
$722.8M
+7.3% YoY
|
$494.3M
+9.1% YoY
|
Top 2.9% in tier |
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| ROA |
0.9%
-14.2% YoY-11.1% QoQ
|
+0.2% |
0.7%
+27.6% YoY
|
0.7%
-4.2% YoY
|
0.4%
-39.2% YoY
|
69% |
| NIM |
3.6%
+6.9% YoY+6.6% QoQ
|
+0.2% |
3.4%
+6.2% YoY
|
4.0%
+4.4% YoY
|
3.8%
+4.1% YoY
|
63% |
| Efficiency Ratio |
66.5%
+6.2% YoY+7.6% QoQ
|
-8.2% |
74.6%
-3.0% YoY
|
77.9%
+0.7% YoY
|
84.6%
+2.8% YoY
|
16% |
| Delinquency Rate |
0.6%
+32.8% YoY-9.5% QoQ
|
-0.1 |
0.8%
+6.9% YoY
|
1.1%
+40.5% YoY
|
1.2%
+3.4% YoY
|
51% |
| Loan To Share |
80.8%
+4.9% YoY-2.6% QoQ
|
-2.4% |
83.2%
-0.4% YoY
|
75.8%
+1.2% YoY
|
65.6%
-1.4% YoY
|
36% |
| AMR |
$27,774
+9.7% YoY+0.0% QoQ
|
$-2K |
$29,652
+2.3% YoY
|
$25,270
+0.9% YoY
|
$19,920
+1.6% YoY
|
48% |
| CD Concentration |
25.1%
+23.4% YoY-1.0% QoQ
|
-3.7% | 28.8% | 16.7% | 19.8% | 34% |
| Indirect Auto % |
20.0%
-21.1% YoY+0.4% QoQ
|
+1.9% | 18.1% | 13.7% | 7.7% | 61% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
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.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)