BlastPoint's Credit Union Scorecard
OREGON STATE
Charter #68656 · OR
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
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 4 that size in Oregon.
- Shares and deposits +9.4% year over year ($2.41B in shares and deposits).
- Membership: 160,932 members, +7.1% vs a year ago.
- Delinquency rate 0.58%.
- Return on assets 1.34%.
- Efficiency ratio 60.66% vs a 73.02% peer average.
- Loan-to-share ratio 84.53% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
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
|
$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
|
+$949.8M |
$1.5B
+0.5% YoY
|
$725.1M
+8.5% YoY
|
$504.8M
+10.3% YoY
|
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
|
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)