BlastPoint's Credit Union Scorecard
ROGUE
Charter #68660 · OR
ROGUE has 7 strengths but faces 1 concern
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How does OR stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.35% above tier average
- + Net Interest Margin 0.66% above tier average
- + Strong member growth: 13.8% YoY
- + Loan Growth Rate: Top 5.1% in tier
- + Member Growth Rate: Top 6.4% in tier
- + Asset Growth Rate: Top 6.4% in tier
- + Deposit Growth Rate: Top 6.4% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 7.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
242,010
+13.8% YoY+1.1% QoQ
|
+21.6K |
220,435
-7.6% YoY
|
51,194
+9.2% YoY
|
33,913
+5.7% YoY
|
65% |
| Assets |
$4.3B
+15.1% YoY+2.0% QoQ
|
+$369.5M |
$3.9B
-1.5% YoY
|
$843.4M
+7.6% YoY
|
$578.3M
+9.0% YoY
|
68% |
| Loans |
$2.6B
+18.7% YoY+2.1% QoQ
|
$-342.7M |
$2.9B
-1.1% YoY
|
$578.4M
+10.5% YoY
|
$402.4M
+8.7% YoY
|
24% |
| Deposits |
$3.6B
+14.0% YoY+1.8% QoQ
|
+$335.1M |
$3.3B
-2.5% YoY
|
$722.8M
+7.3% YoY
|
$494.3M
+9.1% YoY
|
72% |
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| ROA |
1.1%
+14.2% YoY+9.2% QoQ
|
+0.4% |
0.7%
+10.6% YoY
|
0.7%
-4.2% YoY
|
0.4%
-39.2% YoY
|
74% |
| NIM |
3.9%
+2.7% YoY+2.7% QoQ
|
+0.7% |
3.2%
+4.6% YoY
|
4.0%
+4.4% YoY
|
3.8%
+4.1% YoY
|
Top 12.8% in tier |
| Efficiency Ratio |
67.2%
-2.9% YoY-0.1% QoQ
|
-4.1% |
71.3%
-2.6% YoY
|
77.9%
+0.7% YoY
|
84.6%
+2.8% YoY
|
38% |
| Delinquency Rate |
0.8%
-1.8% YoY-11.7% QoQ
|
+0.0 |
0.7%
+9.2% YoY
|
1.1%
+40.5% YoY
|
1.2%
+3.4% YoY
|
65% |
| Loan To Share |
70.2%
+4.1% YoY+0.3% QoQ
|
-17.8% |
88.0%
+0.9% YoY
|
75.8%
+1.2% YoY
|
65.6%
-1.4% YoY
|
Bottom 11.5% in tier |
| AMR |
$25,550
+1.8% YoY+0.8% QoQ
|
$-5K |
$30,672
+5.5% YoY
|
$25,270
+0.9% YoY
|
$19,920
+1.6% YoY
|
31% |
| CD Concentration |
26.9%
-3.9% YoY-2.9% QoQ
|
-1.9% | 28.8% | 16.7% | 19.8% | 43% |
| Indirect Auto % |
22.4%
+7.7% YoY+0.2% QoQ
|
+4.3% | 18.1% | 13.7% | 7.7% | 65% |
Signature Analysis
Strengths (0)
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)