BlastPoint's Credit Union Scorecard
ROGUE
Charter #68660 · OR
ROGUE has 6 strengths but faces 4 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
- + Net Interest Margin 0.65% above tier average
- + Strong member growth: 14.3% YoY
- + Loan Growth Rate: Top 3.9% in tier
- + Asset Growth Rate: Top 5.2% in tier
- + Member Growth Rate: Top 6.5% in tier
- + Deposit Growth Rate: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 3.5% in tier
- - Indirect Auto Dependency: Bottom 5.6% in tier
- - Credit Quality Pressure: Bottom 22.6% in tier
- - Delinquency rate 0.12% above tier average
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 77 credit unions with $3B-$5B in assets nationally, and 1 of 4 that size in Oregon.
- Shares and deposits +14.7% year over year ($3.65B in shares and deposits).
- Membership: 245,187 members, +14.3% vs a year ago.
- Delinquency rate 0.95%.
- Return on assets 0.96%.
- Efficiency ratio 69.19% vs a 69.45% peer average.
- Loan-to-share ratio 71.14% vs a 90.24% 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 |
245,187
+14.3% YoY+1.3% QoQ
|
+28.6K |
216,545
-9.5% YoY
|
51,821
+9.3% YoY
|
34,678
+6.6% YoY
|
69% |
| Assets |
$4.3B
+16.1% YoY+1.1% QoQ
|
+$432.0M |
$3.9B
-1.6% YoY
|
$850.7M
+8.9% YoY
|
$593.1M
+10.2% YoY
|
71% |
| Loans |
$2.6B
+20.8% YoY+1.9% QoQ
|
$-331.5M |
$2.9B
-1.2% YoY
|
$590.7M
+10.5% YoY
|
$418.6M
+10.1% YoY
|
26% |
| Deposits |
$3.7B
+14.7% YoY+0.6% QoQ
|
+$397.0M |
$3.3B
-2.6% YoY
|
$725.1M
+8.5% YoY
|
$504.8M
+10.3% YoY
|
75% |
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| ROA |
1.0%
-5.9% YoY-11.5% QoQ
|
+0.0% |
0.9%
+25.3% YoY
|
0.8%
+19.1% YoY
|
1.2%
+121.4% YoY
|
53% |
| NIM |
3.9%
+1.0% YoY+0.6% QoQ
|
+0.6% |
3.2%
+3.8% YoY
|
4.0%
+5.3% YoY
|
3.8%
+2.3% YoY
|
Top 14.3% in tier |
| Efficiency Ratio |
69.2%
+4.1% YoY+2.9% QoQ
|
-0.3% |
69.5%
-2.3% YoY
|
78.0%
+0.7% YoY
|
83.0%
-5.3% YoY
|
54% |
| Delinquency Rate |
1.0%
+21.2% YoY+25.9% QoQ
|
+0.1 |
0.8%
+5.5% YoY
|
1.1%
+29.8% YoY
|
1.3%
+2.6% YoY
|
69% |
| Loan To Share |
71.1%
+5.3% YoY+1.3% QoQ
|
-19.1% |
90.2%
+0.9% YoY
|
76.6%
+0.5% YoY
|
66.4%
-1.4% YoY
|
Bottom 11.7% in tier |
| AMR |
$25,506
+2.6% YoY-0.2% QoQ
|
$-6K |
$31,018
+6.9% YoY
|
$25,405
+1.6% YoY
|
$20,028
-0.9% YoY
|
26% |
| CD Concentration |
26.3%
-6.1% YoY-2.2% QoQ
|
-2.8% | 29.1% | 16.7% | 20.0% | 40% |
| Indirect Auto % |
22.6%
+20.5% YoY+1.0% QoQ
|
+4.5% | 18.1% | 13.6% | 7.7% | 66% |
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)