BlastPoint's Credit Union Scorecard

OREGONIANS

Charter #68669 · OR

1069 CUs in 100M-500M nationally 18 in OR

OREGONIANS has 2 strengths but faces 10 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

+ ROA 0.34% above tier average
+ Net Interest Margin 0.83% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 8.4% in tier
- Flatlined Growth: Bottom 17.5% in tier
- Stagnation Risk: Bottom 31.1% in tier
- Membership Headwinds: Bottom 63.8% in tier
- Institutional Decline: Bottom 67.0% in tier
- Indirect Auto Dependency: Bottom 85.0% in tier
- Liquidity Overhang: Bottom 90.3% in tier
- Delinquency rate 0.92% above tier average
- Deposit Growth Rate: Bottom 7.8% in tier
- Total Delinquency Rate (60+ days): Bottom 9.3% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Members	18,335 -1.9% YoY-0.1% QoQ	+2.9K	15,437 -2.9% YoY	49,474 +8.2% YoY	33,374 +5.7% YoY	70%
Assets	$339.5M -0.5% YoY+0.3% QoQ	+$107.6M	$231.9M +1.3% YoY	$800.8M +6.1% YoY	$561.6M +9.7% YoY	80%
Loans	$211.1M -2.3% YoY-0.3% QoQ	+$63.8M	$147.3M -0.1% YoY	$554.3M +9.3% YoY	$397.0M +8.8% YoY	79%
Deposits	$281.2M -2.4% YoY+0.1% QoQ	+$80.4M	$200.8M +0.8% YoY	$686.9M +6.2% YoY	$477.3M +9.7% YoY	78%

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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	1.1% +48.2% YoY-13.0% QoQ	+0.3%	0.8% +18.2% YoY	0.6% +1.0% YoY	0.7% +15.9% YoY	74%
NIM	4.4% +11.5% YoY-0.1% QoQ	+0.8%	3.6% +6.7% YoY	3.9% +7.3% YoY	3.8% +5.1% YoY	Top 10.8% in tier
Efficiency Ratio	72.6% -4.4% YoY+4.2% QoQ	-4.4%	77.0% -3.1% YoY	79.6% -0.7% YoY	79.7% -3.3% YoY	32%
Delinquency Rate	1.8% +78.7% YoY+49.0% QoQ	+0.9	0.9% +4.2% YoY	1.1% +23.3% YoY	1.3% -2.1% YoY	Top 9.3% in tier
Loan To Share	75.1% +0.1% YoY-0.4% QoQ	+2.9%	72.2% -1.1% YoY	76.3% +0.6% YoY	67.4% -1.7% YoY	52%
AMR	$26,850 -0.4% YoY+0.0% QoQ	+$2K	$24,676 +3.4% YoY	$24,960 +0.4% YoY	$19,687 +2.0% YoY	71%
CD Concentration	9.9% +9.8% YoY+0.2% QoQ	-14.5%	24.4%	16.6%	19.8%	50%
Indirect Auto %	23.4% -28.0% YoY-7.6% QoQ	+9.6%	13.8%	13.7%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (7)

Credit Quality Pressure

risk

#60 of 705 • Bottom 8.4% in tier

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

Why This Signature

Delinquency Change (YoY): 0.80% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Flatlined Growth

risk

#8 of 41 • Bottom 17.5% 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): -0.52%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Return on Assets: 1.10%

(Tier: 0.75%, National: 0.67%)

but better than tier avg

41 of 1069 Mid-Small & Community CUs have this signature | 59 nationally

→ No prior data (41 CUs now) | New qualifier

Stagnation Risk

risk

#173 of 554 • Bottom 31.1% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.94%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -2.30%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 1.82%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Membership Headwinds

decline

#354 of 554 • Bottom 63.8% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.94%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Institutional Decline

decline

#161 of 240 • Bottom 67.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $339.48M

(Tier: $334.15M, National: $561.61M)

but better than tier avg

Member Growth (YoY): -1.94%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -2.30%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Indirect Auto Dependency

risk

#430 of 506 • Bottom 85.0% in tier

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

Why This Signature

Asset Growth (YoY): -0.52%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 23.39%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -1.94%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank worsening

Liquidity Overhang

risk

#122 of 135 • Bottom 90.3% in tier

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

Why This Signature

Net Worth Ratio: 16.06%

(Tier: 11.97%, National: 14.49%)

but better than tier avg

Loan-to-Share Ratio: 75.09%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

135 of 1069 Mid-Small & Community CUs have this signature | 155 nationally

↑ Growing +17 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 1069 peers in tier

Top Strengths (6 metrics)

109

Share Certificate Concentration (%)

balance_sheet

Value: 9.90%

Peer Median: -

#109 of 1069 Top 10.1% in 100M-500M tier

115

Net Interest Margin (NIM)

profitability

Value: 4.44%

Peer Median: -

#115 of 1069 Top 10.7% in 100M-500M tier

120

Net Worth Ratio

risk

Value: 16.06%

Peer Median: -

#120 of 1069 Top 11.1% in 100M-500M tier

215

Total Assets

balance_sheet

Value: $339.48M

Peer Median: -

#215 of 1069 Top 20.0% in 100M-500M tier

229

Total Loans

balance_sheet

Value: $211.13M

Peer Median: -

#229 of 1069 Top 21.3% in 100M-500M tier

239

Total Deposits

balance_sheet

Value: $281.16M

Peer Median: -

#239 of 1069 Top 22.3% in 100M-500M tier

Top Weaknesses (7 metrics)

987

Deposit Growth Rate

growth

Value: -2.41%

Peer Median: -

#987 of 1069 Bottom 7.8% in 100M-500M tier

971

Total Delinquency Rate (60+ days)

risk

Value: 1.82%

Peer Median: -

#971 of 1069 Bottom 9.3% in 100M-500M tier

934

Asset Growth Rate

growth

Value: -0.52%

Peer Median: -

#934 of 1069 Bottom 12.7% in 100M-500M tier

893

AMR Growth Rate

growth

Value: -0.43%

Peer Median: -

#893 of 1069 Bottom 16.6% in 100M-500M tier

857

Net Charge-Off Rate

risk

Value: 0.70%

Peer Median: -

#857 of 1069 Bottom 19.9% in 100M-500M tier

833

Loan Growth Rate

growth

Value: -2.30%

Peer Median: -

#833 of 1069 Bottom 22.2% in 100M-500M tier

826

Indirect Auto Concentration (%)

balance_sheet

Value: 23.39%

Peer Median: -

#826 of 1069 Bottom 22.8% in 100M-500M tier