BlastPoint's Credit Union Scorecard
OREGONIANS
Charter #68669 · OR
OREGONIANS has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.54% above tier average
- + Share Certificate Concentration (%): Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Cost Spiral: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,157
-2.2% YoY-1.0% QoQ
|
+3.0K |
15,145
-2.5% YoY
|
51,194
+9.2% YoY
|
33,913
+5.7% YoY
|
70% |
| Assets |
$341.7M
-0.0% YoY+0.6% QoQ
|
+$110.0M |
$231.7M
+0.8% YoY
|
$843.4M
+7.6% YoY
|
$578.3M
+9.0% YoY
|
80% |
| Loans |
$208.0M
-1.7% YoY-1.5% QoQ
|
+$63.9M |
$144.1M
+0.2% YoY
|
$578.4M
+10.5% YoY
|
$402.4M
+8.7% YoY
|
78% |
| Deposits |
$283.5M
-1.0% YoY+0.8% QoQ
|
+$82.3M |
$201.1M
+0.4% YoY
|
$722.8M
+7.3% YoY
|
$494.3M
+9.1% YoY
|
78% |
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| ROA |
0.6%
-73.1% YoY-44.6% QoQ
|
-0.1% |
0.7%
+5.1% YoY
|
0.7%
-4.2% YoY
|
0.4%
-39.2% YoY
|
43% |
| NIM |
4.2%
-1.6% YoY-6.0% QoQ
|
+0.5% |
3.6%
+4.6% YoY
|
4.0%
+4.4% YoY
|
3.8%
+4.1% YoY
|
81% |
| Efficiency Ratio |
81.1%
+40.7% YoY+11.7% QoQ
|
+3.1% |
78.0%
-1.7% YoY
|
77.9%
+0.7% YoY
|
84.6%
+2.8% YoY
|
59% |
| Delinquency Rate |
2.3%
+191.3% YoY+28.9% QoQ
|
+1.6 |
0.8%
+7.1% YoY
|
1.1%
+40.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 3.6% in tier |
| Loan To Share |
73.4%
-0.7% YoY-2.3% QoQ
|
+3.0% |
70.4%
-0.4% YoY
|
75.8%
+1.2% YoY
|
65.6%
-1.4% YoY
|
53% |
| AMR |
$27,071
+0.9% YoY+0.8% QoQ
|
+$2K |
$24,918
+2.7% YoY
|
$25,270
+0.9% YoY
|
$19,920
+1.6% YoY
|
71% |
| CD Concentration |
9.6%
+6.2% YoY-2.7% QoQ
|
-14.6% | 24.3% | 16.7% | 19.8% | 50% |
| Indirect Auto % |
22.1%
-26.8% YoY-5.3% QoQ
|
+8.3% | 13.8% | 13.7% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (8)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)