BlastPoint's Credit Union Scorecard
44 NORTH
Charter #68739 · OR
44 NORTH has 4 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 23.8% in tier
- + Net Interest Margin 1.42% above tier average
- + First Mortgage Concentration (%): Top 3.8% in tier
- + AMR Growth Rate: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 0.5% in tier
- - Membership Headwinds: Bottom 3.8% in tier
- - Institutional Decline: Bottom 15.1% in tier
- - Credit Quality Pressure: Bottom 29.5% in tier
- - Indirect Auto Dependency: Bottom 65.5% in tier
- - ROA 0.29% below tier average
- - Delinquency rate 1.25% above tier average
- - Member decline: -13.1% YoY
- - Member Growth Rate: Bottom 1.9% in tier
- - Net Charge-Off Rate: Bottom 4.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.2% in tier
- - Loan Growth Rate: Bottom 6.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,069
-13.1% YoY-4.5% QoQ
|
-5.4K |
15,437
-2.9% YoY
|
49,474
+8.2% YoY
|
33,374
+5.7% YoY
|
32% |
| Assets |
$164.3M
-0.4% YoY-2.8% QoQ
|
$-67.5M |
$231.9M
+1.3% YoY
|
$800.8M
+6.1% YoY
|
$561.6M
+9.7% YoY
|
37% |
| Loans |
$108.7M
-7.0% YoY-0.1% QoQ
|
$-38.6M |
$147.3M
-0.1% YoY
|
$554.3M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
40% |
| Deposits |
$143.3M
-1.1% YoY-3.3% QoQ
|
$-57.5M |
$200.8M
+0.8% YoY
|
$686.9M
+6.2% YoY
|
$477.3M
+9.7% YoY
|
37% |
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| ROA |
0.5%
-19.8% YoY-5.2% QoQ
|
-0.3% |
0.8%
+18.2% YoY
|
0.6%
+1.0% YoY
|
0.7%
+15.9% YoY
|
29% |
| NIM |
5.0%
-13.3% YoY+0.1% QoQ
|
+1.4% |
3.6%
+6.7% YoY
|
3.9%
+7.3% YoY
|
3.8%
+5.1% YoY
|
Top 2.6% in tier |
| Efficiency Ratio |
75.8%
+10.3% YoY+0.3% QoQ
|
-1.2% |
77.0%
-3.1% YoY
|
79.6%
-0.7% YoY
|
79.7%
-3.3% YoY
|
44% |
| Delinquency Rate |
2.1%
+19.4% YoY+7.1% QoQ
|
+1.3 |
0.9%
+4.2% YoY
|
1.1%
+23.3% YoY
|
1.3%
-2.1% YoY
|
Top 6.2% in tier |
| Loan To Share |
75.9%
-6.0% YoY+3.4% QoQ
|
+3.6% |
72.2%
-1.1% YoY
|
76.3%
+0.6% YoY
|
67.4%
-1.7% YoY
|
53% |
| AMR |
$25,036
+10.8% YoY+2.6% QoQ
|
+$360 |
$24,676
+3.4% YoY
|
$24,960
+0.4% YoY
|
$19,687
+2.0% YoY
|
63% |
| CD Concentration |
34.4%
+0.9% YoY-4.4% QoQ
|
+10.0% | 24.4% | 16.6% | 19.8% | 50% |
| Indirect Auto % |
27.1%
-32.4% YoY-10.7% QoQ
|
+13.3% | 13.8% | 13.7% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
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.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)