BlastPoint's Credit Union Scorecard
ROGUE
Charter #68660 · OR
ROGUE has 7 strengths but faces 2 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
- + Organic Growth Engine: Top 7.3% in tier
- + ROA 0.28% above tier average
- + Net Interest Margin 0.62% above tier average
- + Strong member growth: 12.6% YoY
- + Member Growth Rate: Top 7.9% in tier
- + Loan Growth Rate: Top 7.9% in tier
- + Asset Growth Rate: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 43.1% in tier
- - Loan-to-Share Ratio: Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
239,425
+12.6% YoY+10.6% QoQ
|
+9.1K |
230,353
-2.9% YoY
|
49,474
+8.2% YoY
|
33,374
+5.7% YoY
|
62% |
| Assets |
$4.2B
+16.1% YoY+10.6% QoQ
|
+$259.1M |
$3.9B
+0.3% YoY
|
$800.8M
+6.1% YoY
|
$561.6M
+9.7% YoY
|
60% |
| Loans |
$2.5B
+16.8% YoY+13.4% QoQ
|
$-436.5M |
$2.9B
-0.2% YoY
|
$554.3M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
20% |
| Deposits |
$3.6B
+14.7% YoY+10.6% QoQ
|
+$257.6M |
$3.3B
-0.3% YoY
|
$686.9M
+6.2% YoY
|
$477.3M
+9.7% YoY
|
67% |
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| ROA |
1.0%
+47.8% YoY-11.4% QoQ
|
+0.3% |
0.7%
+16.8% YoY
|
0.6%
+1.0% YoY
|
0.7%
+15.9% YoY
|
67% |
| NIM |
3.8%
+8.2% YoY-4.7% QoQ
|
+0.6% |
3.1%
+9.8% YoY
|
3.9%
+7.3% YoY
|
3.8%
+5.1% YoY
|
Top 14.5% in tier |
| Efficiency Ratio |
67.3%
-4.6% YoY+2.5% QoQ
|
-4.1% |
71.4%
-1.4% YoY
|
79.6%
-0.7% YoY
|
79.7%
-3.3% YoY
|
36% |
| Delinquency Rate |
0.9%
-9.4% YoY-1.4% QoQ
|
-0.0 |
0.9%
+5.8% YoY
|
1.1%
+23.3% YoY
|
1.3%
-2.1% YoY
|
64% |
| Loan To Share |
70.0%
+1.8% YoY+2.5% QoQ
|
-18.9% |
88.9%
-0.2% YoY
|
76.3%
+0.6% YoY
|
67.4%
-1.7% YoY
|
Bottom 7.9% in tier |
| AMR |
$25,340
+2.6% YoY+1.0% QoQ
|
$-4K |
$29,682
+1.5% YoY
|
$24,960
+0.4% YoY
|
$19,687
+2.0% YoY
|
30% |
| CD Concentration |
27.7%
-3.1% YoY-1.6% QoQ
|
-1.3% | 29.0% | 16.6% | 19.8% | 46% |
| Indirect Auto % |
22.4%
+7.4% YoY+12.3% QoQ
|
+4.0% | 18.3% | 13.7% | 7.8% | 64% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
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)