BlastPoint's Credit Union Scorecard
OREGON STATE
Charter #68656 · OR
Oregon State at VentureTech 2026 · Fort Worth
YOU MADE THE SET.
Oregon State is one of 101 credit unions in the 2026 VentureTech card set. We also found Oregon State's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.
CARD SET
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OREGON STATE
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PEER · AT VENTURETECH
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PEER · AT VENTURETECH
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OREGON STATE'S BIGGEST OPPORTUNITY
NCUA call report, June 30, 2026.
Oregon State is headed to VentureTech in Fort Worth! Check out our trading card.
OREGON STATE has 7 strengths but faces 3 concerns
How does the industry compare?
What's your peer group doing?
How does OR stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.52% above tier average
- + Net Interest Margin 0.21% above tier average
- + Strong member growth: 7.1% YoY
- + Total Assets: Top 4.3% in tier
- + Total Deposits: Top 4.3% in tier
- + Total Loans: Top 7.3% in tier
- + Total Members: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 13.2% in tier
- - Credit Quality Pressure: Bottom 34.7% in tier
- - Indirect Auto Dependency: Bottom 78.0% in tier
The real pack is waiting in Fort Worth
- 1 CLEAR Your card arrived By email from Collier at BlastPoint
- 2 YOU ARE HERE Open your pack Right here on your Scorecard
- 3 BOSS LEVEL Grab the real pack At the BlastPoint booth
- 4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report
- Where
- The BlastPoint booth, Omni Fort Worth
- Expo hall
- Mon Nov 16 and Tue Nov 17
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
160,932
+7.1% YoY+2.2% QoQ
|
+64.1K |
96,861
-1.9% YoY
|
51,821
+9.3% YoY
|
34,678
+6.6% YoY
|
Top 9.0% in tier |
| Assets |
$2.8B
+1.7% YoY+2.1% QoQ
|
+$1.1B |
$1.7B
+0.4% YoY
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$850.7M
+8.9% YoY
|
$593.1M
+10.2% YoY
|
Top 4.7% in tier |
| Loans |
$2.0B
+13.3% YoY+4.4% QoQ
|
+$805.5M |
$1.2B
+0.7% YoY
|
$590.7M
+10.5% YoY
|
$418.6M
+10.1% YoY
|
Top 7.7% in tier |
| Deposits |
$2.4B
+9.4% YoY-0.3% QoQ
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+$949.8M |
$1.5B
+0.5% YoY
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$725.1M
+8.5% YoY
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$504.8M
+10.3% YoY
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Top 4.7% in tier |
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| ROA |
1.3%
+23.6% YoY+50.6% QoQ
|
+0.5% |
0.8%
+27.6% YoY
|
0.8%
+19.1% YoY
|
1.2%
+121.4% YoY
|
Top 13.7% in tier |
| NIM |
3.6%
+10.5% YoY+2.1% QoQ
|
+0.2% |
3.4%
+6.6% YoY
|
4.0%
+5.3% YoY
|
3.8%
+2.3% YoY
|
64% |
| Efficiency Ratio |
60.7%
+0.6% YoY-8.7% QoQ
|
-12.4% |
73.0%
-2.7% YoY
|
78.0%
+0.7% YoY
|
83.0%
-5.3% YoY
|
Top 11.3% in tier |
| Delinquency Rate |
0.6%
+21.5% YoY-7.7% QoQ
|
-0.3 |
0.9%
+7.3% YoY
|
1.1%
+29.8% YoY
|
1.3%
+2.6% YoY
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37% |
| Loan To Share |
84.5%
+3.5% YoY+4.7% QoQ
|
-0.2% |
84.7%
+0.1% YoY
|
76.6%
+0.5% YoY
|
66.4%
-1.4% YoY
|
43% |
| AMR |
$27,669
+3.7% YoY-0.4% QoQ
|
$-2K |
$29,575
+1.5% YoY
|
$25,405
+1.6% YoY
|
$20,028
-0.9% YoY
|
47% |
| CD Concentration |
23.8%
+5.9% YoY-5.2% QoQ
|
-5.3% | 29.1% | 16.7% | 20.0% | 27% |
| Indirect Auto % |
20.2%
-10.2% YoY+0.9% QoQ
|
+2.1% | 18.1% | 13.6% | 7.7% | 62% |
Signature Analysis
Strengths (0)
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)