BlastPoint's Credit Union Scorecard

OREGON STATE

Charter #68656 · OR

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 5 in OR

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OREGON STATE has 9 strengths but faces 1 concern

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

+ Organic Growth Engine: Top 5.7% in tier
+ Wallet Share Momentum: Top 27.0% in tier
+ Profitability Leader: Top 73.4% in tier
+ ROA 0.41% above tier average
+ Total Assets: Top 3.6% in tier
+ Loan Growth Rate: Top 3.9% in tier
+ Total Deposits: Top 6.2% in tier
+ Efficiency Ratio: Top 6.9% in tier
+ AMR Growth Rate: Top 8.9% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 16.6% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Members	152,860 +5.0% YoY+1.8% QoQ	+54.2K	98,678 -1.9% YoY	48,799 +9.4% YoY	33,089 +6.1% YoY	Top 11.5% in tier
Assets	$2.9B +10.6% YoY+4.3% QoQ	+$1.1B	$1.7B +0.5% YoY	$801.2M +7.5% YoY	$547.7M +7.8% YoY	Top 3.9% in tier
Loans	$1.9B +20.9% YoY+5.4% QoQ	+$664.9M	$1.2B +0.5% YoY	$546.0M +10.9% YoY	$388.7M +8.6% YoY	Top 10.9% in tier
Deposits	$2.3B +11.2% YoY+4.6% QoQ	+$852.8M	$1.5B +1.3% YoY	$683.7M +7.5% YoY	$464.6M +9.3% YoY	Top 6.6% in tier

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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	1.1% +50.7% YoY+3.2% QoQ	+0.4%	0.7% +13.4% YoY	0.7% +15.2% YoY	0.7% +273.4% YoY	84%
NIM	3.2% +9.9% YoY-2.0% QoQ	-0.0%	3.3% +9.3% YoY	3.9% +7.2% YoY	3.7% +5.0% YoY	44%
Efficiency Ratio	59.8% -0.7% YoY-0.9% QoQ	-14.2%	74.0% -10.9% YoY	76.2% -3.6% YoY	79.1% -3.3% YoY	Bottom 6.9% in tier
Delinquency Rate	0.5% -25.3% YoY+2.4% QoQ	-0.3	0.8% +6.1% YoY	0.9% -6.6% YoY	1.2% -0.9% YoY	31%
Loan To Share	82.3% +8.7% YoY+0.8% QoQ	-2.9%	85.2% -0.8% YoY	76.2% +0.8% YoY	68.0% -1.7% YoY	34%
AMR	$27,510 +9.9% YoY+3.1% QoQ	$-2K	$29,172 +2.8% YoY	$25,038 +0.5% YoY	$19,418 +1.3% YoY	50%
CD Concentration	24.7% +13.6% YoY+9.9% QoQ	-4.3%	29.0% +0.7% YoY	16.6% +1.3% YoY	19.6% +6.2% YoY	32%
Indirect Auto %	20.6% -21.2% YoY-8.2% QoQ	+1.9%	18.8% -3.0% YoY	13.9% -0.5% YoY	7.9% -2.9% YoY	60%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#42 of 246 • Top 5.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.99%

(Tier: 3.18%, National: 9.37%)

better than tier avg

Return on Assets: 1.12%

(Tier: 0.71%, National: 0.71%)

better than tier avg

Indirect Auto %: 20.63%

(Tier: 18.77%, National: 7.90%)

but worse than tier avg

246 of 380 Mid-Market CUs have this signature | 917 nationally

↑ Growing +14 CUs YoY | Rank improving

Wallet Share Momentum

growth

#32 of 116 • Top 27.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 9.89%

(Tier: 3.04%, National: 4.19%)

better than tier avg

116 of 380 Mid-Market CUs have this signature | 620 nationally

↑ Growing +38 CUs YoY | Rank improving

Profitability Leader

growth

#70 of 95 • Top 73.4% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.12%

(Tier: 0.71%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.38% points

(Tier: 0.07% points, National: 0.05% points)

better than tier avg

95 of 380 Mid-Market CUs have this signature | 457 nationally

→ Stable (93→95 CUs) +2 CUs YoY | New qualifier

Concerns (1)

Indirect Auto Dependency

risk

#103 of 202 • Bottom 16.6% in tier

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

Why This Signature

Asset Growth (YoY): 10.56%

(Tier: 5.36%, National: 3.04%)

but better than tier avg

Indirect Auto %: 20.63%

(Tier: 18.77%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 4.99%

(Tier: 3.18%, National: 9.37%)

but better than tier avg

202 of 380 Mid-Market CUs have this signature | 768 nationally

↓ Shrinking -7 CUs YoY | Rank improving

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 304 peers in tier

Top Strengths (13 metrics)

Total Assets

balance_sheet

Value: $2.85B

Peer Avg: -

#12 of 304 Top 3.6% in 1B-3B tier

Loan Growth Rate

growth

Value: 20.90%

Peer Avg: -

#13 of 304 Top 3.9% in 1B-3B tier

Total Deposits

balance_sheet

Value: $2.31B

Peer Avg: -

#20 of 304 Top 6.2% in 1B-3B tier

Efficiency Ratio

profitability

Value: 59.76%

Peer Avg: -

#22 of 304 Top 6.9% in 1B-3B tier

AMR Growth Rate

growth

Value: 9.89%

Peer Avg: -

#28 of 304 Top 8.9% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.90B

Peer Avg: -

#33 of 304 Top 10.5% in 1B-3B tier

Deposit Growth Rate

growth

Value: 11.19%

Peer Avg: -

#35 of 304 Top 11.2% in 1B-3B tier

Total Members

engagement

Value: 152,860

Peer Avg: -

#35 of 304 Top 11.2% in 1B-3B tier

Asset Growth Rate

growth

Value: 10.56%

Peer Avg: -

#36 of 304 Top 11.5% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.12%

Peer Avg: -

#49 of 304 Top 15.8% in 1B-3B tier

Top Weaknesses (1 metrics)

233

Net Charge-Off Rate

risk

Value: 0.82%

Peer Avg: -

#233 of 304 Bottom 23.7% in 1B-3B tier