BlastPoint's Credit Union Scorecard

OREGONIANS

Charter #68669 · OR

100M-500M

1024 CUs in 100M-500M nationally 16 in OR

OREGONIANS has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

OR Analysis

How does OR stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.61% above tier average
+ Net Worth Ratio: Top 10.0% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Cost Spiral: Bottom 50.0% in tier
- Flatlined Growth: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 16 that size in Oregon.
Shares and deposits -1.3% year over year ($280M in shares and deposits).
Membership: 18,477 members, +0.0% vs a year ago.
Delinquency rate 2.15%.
Return on assets 0.74%.
Efficiency ratio 80.66% vs a 76.73% peer average.
Loan-to-share ratio 80.41% vs a 71.54% 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	18,477 +0.0% YoY+1.8% QoQ	+3.3K	15,168 -2.6% YoY	51,821 +9.3% YoY	34,678 +6.6% YoY	72%
Assets	$339.2M -0.2% YoY-0.7% QoQ	+$107.2M	$232.0M +0.7% YoY	$850.7M +8.9% YoY	$593.1M +10.2% YoY	80%
Loans	$225.1M +7.4% YoY+8.2% QoQ	+$78.9M	$146.3M +0.2% YoY	$590.7M +10.5% YoY	$418.6M +10.1% YoY	82%
Deposits	$280.0M -1.3% YoY-1.2% QoQ	+$79.3M	$200.7M +0.2% YoY	$725.1M +8.5% YoY	$504.8M +10.3% YoY	77%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.7% -48.8% YoY+21.9% QoQ	-0.1%	0.9% +12.5% YoY	0.8% +19.1% YoY	1.2% +121.4% YoY	49%
NIM	4.3% -1.8% YoY+3.1% QoQ	+0.6%	3.7% +4.5% YoY	4.0% +5.3% YoY	3.8% +2.3% YoY	84%
Efficiency Ratio	80.7% +21.5% YoY-0.5% QoQ	+3.9%	76.7% -0.8% YoY	78.0% +0.7% YoY	83.0% -5.3% YoY	60%
Delinquency Rate	2.2% +105.0% YoY-7.9% QoQ	+1.3	0.9% +6.6% YoY	1.1% +29.8% YoY	1.3% +2.6% YoY	Bottom 5.9% in tier
Loan To Share	80.4% +8.8% YoY+9.6% QoQ	+8.9%	71.5% -0.3% YoY	76.6% +0.5% YoY	66.4% -1.4% YoY	65%
AMR	$27,338 +2.4% YoY+1.0% QoQ	+$2K	$25,107 +3.2% YoY	$25,405 +1.6% YoY	$20,028 -0.9% YoY	72%
CD Concentration	10.2% +8.9% YoY+6.1% QoQ	-14.3%	24.6%	16.7%	20.0%	50%
Indirect Auto %	25.5% -7.4% YoY+15.2% QoQ	+11.9%	13.6%	13.6%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (8)

Credit Quality Pressure

risk

#38 of 693 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 1.10% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank improving

Credit Risk Growth

risk

#39 of 472 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 7.43%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 1.10% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Cost Spiral

risk

#15 of 95 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 14.28% points

(Tier: -0.48% points, National: -3.74% points)

worse than tier avg

Efficiency Ratio (Prior Year): 66.37%

(Tier: 77.10%, National: 86.72%)

but better than tier avg

95 of 1024 Mid-Small & Community CUs have this signature | 106 nationally

↑ Growing +30 CUs YoY | New qualifier

Flatlined Growth

risk

#8 of 42 • Bottom 50.0% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): -0.15%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Return on Assets: 0.74%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

42 of 1024 Mid-Small & Community CUs have this signature | 57 nationally

→ Stable (46→42 CUs) -4 CUs YoY | Rank improving

Deposit Outflow

decline

#56 of 84 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -1.25%

(Tier: 4.24%, National: 100.69%)

worse than tier avg

Member Growth (YoY): 0.03%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

84 of 1024 Mid-Small & Community CUs have this signature | 109 nationally

↓ Shrinking -9 CUs YoY | New qualifier

Efficiency Drag

risk

#437 of 531 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 80.66%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.71% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): 0.03%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#408 of 476 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): -0.15%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 25.51%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 0.03%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank worsening

Liquidity Overhang

risk

#120 of 130 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 16.45%

(Tier: 12.53%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 80.41%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

130 of 1024 Mid-Small & Community CUs have this signature | 148 nationally

↑ Growing +7 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (7 metrics)

103

Net Worth Ratio

risk

Value: 16.45%

Peer Median: 11.71%

#103 of 1024 Top 10.0% in 100M-500M tier

108

Share Certificate Concentration (%)

balance_sheet

Value: 10.22%

Peer Median: 23.39%

#108 of 1024 Top 10.4% in 100M-500M tier

165

Net Interest Margin (NIM)

profitability

Value: 4.30%

Peer Median: 3.67%

#165 of 1024 Top 16.0% in 100M-500M tier

184

Total Loans

balance_sheet

Value: $225.13M

Peer Median: $124.04M

#184 of 1024 Top 17.9% in 100M-500M tier

205

Total Assets

balance_sheet

Value: $339.20M

Peer Median: $196.38M

#205 of 1024 Top 19.9% in 100M-500M tier

231

Total Deposits

balance_sheet

Value: $280.00M

Peer Median: $170.77M

#231 of 1024 Top 22.5% in 100M-500M tier

252

Loan-to-Member Ratio (LMR)

engagement

Value: $12,185

Peer Median: $9,434

#252 of 1024 Top 24.5% in 100M-500M tier

Top Weaknesses (5 metrics)

965

Total Delinquency Rate (60+ days)

risk

Value: 2.15%

Peer Median: 0.71%

#965 of 1024 Bottom 5.9% in 100M-500M tier

886

Deposit Growth Rate

growth

Value: -1.25%

Peer Median: 3.58%

#886 of 1024 Bottom 13.6% in 100M-500M tier

857

Asset Growth Rate

growth

Value: -0.15%

Peer Median: 4.12%

#857 of 1024 Bottom 16.4% in 100M-500M tier

845

Fee Income Per Member

profitability

Value: $104.40

Peer Median: $159.88

#845 of 1024 Bottom 17.6% in 100M-500M tier

811

Indirect Auto Concentration (%)

balance_sheet

Value: 25.51%

Peer Median: 6.15%

#811 of 1024 Bottom 20.9% in 100M-500M tier