BlastPoint's Credit Union Scorecard

OREGONIANS

Charter #68669 · OR

1077 CUs in 100M-500M nationally 18 in OR

OREGONIANS has 3 strengths but faces 11 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

+ Profitability Leader: Top 73.5% in tier
+ ROA 0.47% above tier average
+ Net Interest Margin 0.85% above tier average

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 1.8% in tier
- Credit Quality Pressure: Bottom 3.5% in tier
- Institutional Decline: Bottom 11.4% in tier
- Accelerating Exit Risk: Bottom 13.0% in tier
- Membership Headwinds: Bottom 13.4% in tier
- Shrinking Wallet Share: Bottom 23.0% in tier
- Indirect Auto Dependency: Bottom 25.2% in tier
- Flatlined Growth: Bottom 33.0% in tier
- Delinquency rate 0.36% above tier average
- Member decline: -3.0% YoY
- Deposit Growth Rate: Bottom 5.8% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Members	18,348 -3.0% YoY-0.7% QoQ	+2.7K	15,628 -3.4% YoY	48,799 +9.4% YoY	33,089 +6.1% YoY	69%
Assets	$338.3M -1.4% YoY-0.4% QoQ	+$107.0M	$231.3M -0.0% YoY	$801.2M +7.5% YoY	$547.7M +7.8% YoY	80%
Loans	$211.7M -4.4% YoY+1.0% QoQ	+$63.9M	$147.8M -1.4% YoY	$546.0M +10.9% YoY	$388.7M +8.6% YoY	78%
Deposits	$280.8M -3.2% YoY-1.0% QoQ	+$80.5M	$200.3M -0.0% YoY	$683.7M +7.5% YoY	$464.6M +9.3% 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	1.3% +67.4% YoY-12.9% QoQ	+0.5%	0.8% +15.5% YoY	0.7% +15.2% YoY	0.7% +273.4% YoY	81%
NIM	4.4% +12.5% YoY+1.4% QoQ	+0.9%	3.6% +6.9% YoY	3.9% +7.2% YoY	3.7% +5.0% YoY	Top 11.0% in tier
Efficiency Ratio	69.7% -7.8% YoY+5.0% QoQ	-7.6%	77.3% -3.0% YoY	76.2% -3.6% YoY	79.1% -3.3% YoY	25%
Delinquency Rate	1.2% +123.4% YoY+15.8% QoQ	+0.4	0.9% +7.6% YoY	0.9% -6.6% YoY	1.2% -0.9% YoY	78%
Loan To Share	75.4% -1.3% YoY+2.0% QoQ	+2.7%	72.7% -1.5% YoY	76.2% +0.8% YoY	68.0% -1.7% YoY	53%
AMR	$26,839 -0.7% YoY+0.5% QoQ	+$2K	$24,363 +2.9% YoY	$25,038 +0.5% YoY	$19,418 +1.3% YoY	73%
CD Concentration	9.9% +6.0% YoY+5.3% QoQ	-14.5%	24.4% +4.2% YoY	16.6% +1.3% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	25.3% -27.0% YoY-8.1% QoQ	+11.3%	14.0% -5.7% YoY	13.9% -0.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Profitability Leader

growth

#250 of 340 • Top 73.5% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.26%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.51% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Concerns (8)

Stagnation Risk

risk

#30 of 550 • Bottom 1.8% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.03%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -4.43%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 1.22%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Credit Quality Pressure

risk

#87 of 736 • Bottom 3.5% in tier

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

Why This Signature

Delinquency Change (YoY): 0.67% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Institutional Decline

decline

#91 of 256 • Bottom 11.4% in tier

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

Why This Signature

Total Assets: $338.31M

(Tier: $331.87M, National: $547.69M)

but better than tier avg

Member Growth (YoY): -3.03%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -4.43%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | Rank worsening

Accelerating Exit Risk

decline

#35 of 58 • Bottom 13.0% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -3.03%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

AMR Growth (YoY): -0.71%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

58 of 1077 Community CUs have this signature | 73 nationally

↓ Shrinking -89 CUs YoY | Rank worsening

Membership Headwinds

decline

#222 of 550 • Bottom 13.4% in tier

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

Why This Signature

Member Growth (YoY): -3.03%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Shrinking Wallet Share

decline

#230 of 244 • Bottom 23.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -0.71%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 1077 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#405 of 525 • Bottom 25.2% in tier

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

Why This Signature

Asset Growth (YoY): -1.42%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 25.32%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -3.03%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

Flatlined Growth

risk

#35 of 58 • Bottom 33.0% 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): -1.42%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Return on Assets: 1.26%

(Tier: 0.77%, National: 0.71%)

but better than tier avg

58 of 1077 Community CUs have this signature | 82 nationally

↑ Growing +10 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 1077 peers in tier

Top Strengths (8 metrics)

114

Share Certificate Concentration (%)

balance_sheet

Value: 9.88%

Peer Avg: -

#114 of 1077 Top 10.5% in 100M-500M tier

119

Net Interest Margin (NIM)

profitability

Value: 4.44%

Peer Avg: -

#119 of 1077 Top 11.0% in 100M-500M tier

121

Net Worth Ratio

risk

Value: 15.97%

Peer Avg: -

#121 of 1077 Top 11.1% in 100M-500M tier

209

Return on Assets (ROA)

profitability

Value: 1.26%

Peer Avg: -

#209 of 1077 Top 19.3% in 100M-500M tier

218

Total Assets

balance_sheet

Value: $338.31M

Peer Avg: -

#218 of 1077 Top 20.1% in 100M-500M tier

236

Total Loans

balance_sheet

Value: $211.66M

Peer Avg: -

#236 of 1077 Top 21.8% in 100M-500M tier

239

Total Deposits

balance_sheet

Value: $280.77M

Peer Avg: -

#239 of 1077 Top 22.1% in 100M-500M tier

269

Efficiency Ratio

profitability

Value: 69.67%

Peer Avg: -

#269 of 1077 Top 24.9% in 100M-500M tier

Top Weaknesses (8 metrics)

1015

Deposit Growth Rate

growth

Value: -3.19%

Peer Avg: -

#1015 of 1077 Bottom 5.8% in 100M-500M tier

944

Asset Growth Rate

growth

Value: -1.42%

Peer Avg: -

#944 of 1077 Bottom 12.4% in 100M-500M tier

917

Loan Growth Rate

growth

Value: -4.43%

Peer Avg: -

#917 of 1077 Bottom 14.9% in 100M-500M tier

893

AMR Growth Rate

growth

Value: -0.71%

Peer Avg: -

#893 of 1077 Bottom 17.2% in 100M-500M tier

887

Member Growth Rate

growth

Value: -3.03%

Peer Avg: -

#887 of 1077 Bottom 17.7% in 100M-500M tier

872

Net Charge-Off Rate

risk

Value: 0.71%

Peer Avg: -

#872 of 1077 Bottom 19.1% in 100M-500M tier

851

Indirect Auto Concentration (%)

balance_sheet

Value: 25.32%

Peer Avg: -

#851 of 1077 Bottom 21.1% in 100M-500M tier

841

Total Delinquency Rate (60+ days)

risk

Value: 1.22%

Peer Avg: -

#841 of 1077 Bottom 22.0% in 100M-500M tier