OREGONIANS
Charter #68669 | OR
100M-500M
(1077 CUs)
Micro
($0-$500M)
18 100M-500M in OR
OREGONIANS has 2 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + 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
- - Liquidity Overhang: Bottom 11.6% 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
|
69th in tier |
| 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
|
Top 20.2% in tier |
| 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
|
Top 21.9% in tier |
| 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
|
Top 22.2% in tier |
| 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
|
Top 19.4% in tier |
| 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
|
Bottom 24.9% in tier |
| 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
|
Top 22.0% in tier |
| 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
|
53rd in tier |
| 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
|
73rd in tier |
| 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
|
50th in tier |
| Indirect Auto % |
25.3%
-27.0% YoY-8.1% QoQ
|
+11.4% |
14.0%
-5.8% YoY
|
13.9%
-0.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (9)
Stagnation Risk
risk
#30 of 550 • Bottom 1.8% in tier
Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.
Why This Signature
Return on Assets:
1.26%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-3.03%
(Tier:
0.88%, National:
9.37%)
Avg Member Relationship:
$26.8K
(Tier: $25.0K, National: $19.4K)
CD Concentration:
9.88%
(Tier:
24.41%, National:
19.60%)
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)
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: $231.30M, National: $547.69M)
Member Growth (YoY):
-3.03%
(Tier:
0.88%, National:
9.37%)
Loan Growth (YoY):
-4.43%
(Tier:
3.64%, National:
36.38%)
256 of 1077 Community CUs have this signature
| 293 nationally
↓ Shrinking
-43 CUs YoY
|
Rank worsening
Liquidity Overhang
risk
#180 of 552 • Bottom 11.6% in tier
Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Why This Signature
Net Worth Ratio:
15.97%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
75.39%
(Tier:
74.56%, National:
67.96%)
552 of 1077 Community CUs have this signature
| 691 nationally
↑ Growing
+65 CUs YoY
|
Rank improving
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%)
AMR Growth (YoY):
-0.71%
(Tier:
3.68%, National:
4.19%)
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%)
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%)
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%)
Indirect Auto %:
25.32%
(Tier:
13.96%, National:
7.90%)
Member Growth (YoY):
-3.03%
(Tier:
0.88%, National:
9.37%)
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 has flattened despite healthy profitability. May indicate a need to reassess growth strategy.
Why This Signature
Total Assets:
$338.31M
(Tier: $231.30M, National: $547.69M)
Asset Growth (YoY):
-1.42%
(Tier:
4.61%, National:
3.04%)
Return on Assets:
1.26%
(Tier:
0.77%, National:
0.71%)
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)
Top Strengths (8 metrics)
114
Share Certificate Concentration (%)
balance_sheet
Value:
9.88%
Peer Avg: 23.61%
#114 of 1077
Top 10.5% in 100M-500M tier
119
Net Interest Margin (NIM)
profitability
Value:
4.44%
Peer Avg: 3.58%
#119 of 1077
Top 11.0% in 100M-500M tier
121
Net Worth Ratio
risk
Value:
15.97%
Peer Avg: 12.15%
#121 of 1077
Top 11.1% in 100M-500M tier
209
Return on Assets (ROA)
profitability
Value:
1.26%
Peer Avg: 0.79%
#209 of 1077
Top 19.3% in 100M-500M tier
218
Total Assets
balance_sheet
Value:
$338.31M
Peer Avg: $231.30M
#218 of 1077
Top 20.1% in 100M-500M tier
236
Total Loans
balance_sheet
Value:
$211.66M
Peer Avg: $147.80M
#236 of 1077
Top 21.8% in 100M-500M tier
239
Total Deposits
balance_sheet
Value:
$280.77M
Peer Avg: $200.29M
#239 of 1077
Top 22.1% in 100M-500M tier
269
Efficiency Ratio
profitability
Value:
69.67%
Peer Avg: 77.28%
#269 of 1077
Top 24.9% in 100M-500M tier
Top Weaknesses (8 metrics)
1015
Deposit Growth Rate
growth
Value:
-3.19%
Peer Avg: 4.69%
#1015 of 1077
Bottom 5.8% in 100M-500M tier
944
Asset Growth Rate
growth
Value:
-1.42%
Peer Avg: 4.70%
#944 of 1077
Bottom 12.4% in 100M-500M tier
917
Loan Growth Rate
growth
Value:
-4.43%
Peer Avg: 3.45%
#917 of 1077
Bottom 14.9% in 100M-500M tier
893
AMR Growth Rate
growth
Value:
-0.71%
Peer Avg: 3.64%
#893 of 1077
Bottom 17.2% in 100M-500M tier
887
Member Growth Rate
growth
Value:
-3.03%
Peer Avg: 0.72%
#887 of 1077
Bottom 17.7% in 100M-500M tier
872
Net Charge-Off Rate
risk
Value:
0.71%
Peer Avg: 0.47%
#872 of 1077
Bottom 19.1% in 100M-500M tier
851
Indirect Auto Concentration (%)
balance_sheet
Value:
25.32%
Peer Avg: 13.34%
#851 of 1077
Bottom 21.1% in 100M-500M tier
841
Total Delinquency Rate (60+ days)
risk
Value:
1.22%
Peer Avg: 0.86%
#841 of 1077
Bottom 22.0% in 100M-500M tier