ROGUE

Charter #68660 | OR

3B-5B (76 CUs) Mid-Market (380 CUs)
3 3B-5B in OR

ROGUE has 6 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 18.8% in tier
  • + Relationship Depth Leader: Top 24.5% in tier
  • + Organic Growth Leader: Top 28.8% in tier
  • + Wallet Share Momentum: Top 29.4% in tier
  • + ROA 0.37% above tier average
  • + Net Interest Margin 0.74% above tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 13.2% in tier
  • - Growth-at-Risk: Bottom 18.9% in tier
  • - Indirect Auto Dependency: Bottom 25.3% in tier
  • - Delinquency rate 0.03% above tier average
  • - Loan-to-Share Ratio: Bottom 6.6% in tier
  • - Total Loans: Bottom 9.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
Members 216,482
+1.5% YoY+0.9% QoQ
 -22.0K 238,465
+0.6% YoY
 48,799
+9.4% YoY
 33,089
+6.1% YoY
 49th in tier
Assets $3.8B
+4.3% YoY+1.7% QoQ
 $-174.7M $4.0B
-0.1% YoY
 $801.2M
+7.5% YoY
 $547.7M
+7.8% YoY
 45th in tier
Loans $2.2B
+3.9% YoY+2.5% QoQ
 $-814.7M $3.0B
+3.3% YoY
 $546.0M
+10.9% YoY
 $388.7M
+8.6% YoY
 Bottom 7.9% in tier
Deposits $3.2B
+3.8% YoY+1.3% QoQ
 $-107.8M $3.3B
+1.1% YoY
 $683.7M
+7.5% YoY
 $464.6M
+9.3% YoY
 41st in tier
ROA 1.1%
+80.5% YoY+10.0% QoQ
 +0.4% 0.7%
+5.3% YoY
 0.7%
+15.2% YoY
 0.7%
+273.4% YoY
 72nd in tier
NIM 3.9%
+14.9% YoY+2.6% QoQ
 +0.7% 3.2%
+13.7% YoY
 3.9%
+7.2% YoY
 3.7%
+5.0% YoY
 Top 14.5% in tier
Efficiency Ratio 65.7%
-7.3% YoY-1.2% QoQ
 -5.6% 71.3%
-0.6% YoY
 76.2%
-3.6% YoY
 79.1%
-3.3% YoY
 30th in tier
Delinquency Rate 0.9%
+18.4% YoY+10.5% QoQ
 +0.0 0.8%
+15.9% YoY
 0.9%
-6.6% YoY
 1.2%
-0.9% YoY
 68th in tier
Loan To Share 68.3%
+0.1% YoY+1.2% QoQ
 -22.5% 90.8%
+2.0% YoY
 76.2%
+0.8% YoY
 68.0%
-1.7% YoY
 Bottom 5.3% in tier
AMR $25,081
+2.3% YoY+0.9% QoQ
 $-4K $29,088
+0.1% YoY
 $25,038
+0.5% YoY
 $19,418
+1.3% YoY
 34th in tier
CD Concentration 28.1%
+1.2% YoY+0.4% QoQ
 -0.8% 29.0%
+0.8% YoY
 16.6%
+1.3% YoY
 19.6%
+6.2% YoY
 48th in tier
Indirect Auto % 19.9%
-10.2% YoY+6.0% QoQ
 +1.1% 18.8%
-2.8% YoY
 13.9%
-0.5% YoY
 7.9%
-2.9% YoY
 57th in tier

Signature Analysis

Strengths (4)

Organic Growth Engine

growth
#137 of 246 • Top 18.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.53%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 1.12%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 19.91%
(Tier: 18.80%, 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

Relationship Depth Leader

growth
#178 of 264 • Top 24.5% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 2.31%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $3.2K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Organic Growth Leader

growth
#114 of 138 • Top 28.8% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.53%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | New qualifier

Wallet Share Momentum

growth
#213 of 264 • Top 29.4% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 2.31%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Concerns (3)

Credit Quality Pressure

risk
#102 of 217 • Bottom 13.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.14% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Growth-at-Risk

risk
#106 of 161 • Bottom 18.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 3.94%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.14% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#157 of 202 • Bottom 25.3% in tier

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

Why This Signature
Asset Growth (YoY): 4.34%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 19.91%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 1.53%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank worsening

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)

Comparing against 76 peers in tier

Top Strengths (1 metrics)

11
Net Interest Margin (NIM)
profitability
Value: 3.94%
Peer Avg: 3.20%
#11 of 76 Top 13.2% in 3B-5B tier

Top Weaknesses (4 metrics)

72
Loan-to-Share Ratio
balance_sheet
Value: 68.34%
Peer Avg: 90.85%
#72 of 76 Bottom 6.6% in 3B-5B tier
70
Total Loans
balance_sheet
Value: $2.20B
Peer Avg: $3.02B
#70 of 76 Bottom 9.2% in 3B-5B tier
67
Loan-to-Member Ratio (LMR)
engagement
Value: $10,182
Peer Avg: $13,761
#67 of 76 Bottom 13.2% in 3B-5B tier
61
Members Per Employee (MPE)
engagement
Value: 314.654
Peer Avg: 433.941
#61 of 76 Bottom 21.1% in 3B-5B tier