BlastPoint's Credit Union Scorecard

44 NORTH

Charter #68739 · OR

100M-500M

1024 CUs in 100M-500M nationally 16 in OR

44 NORTH has 3 strengths but faces 8 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

+ Wallet Share Momentum: Top 50.0% in tier
+ Net Interest Margin 1.38% above tier average
+ First Mortgage Concentration (%): Top 4.1% in tier

Key Concerns

Areas that may need attention

- 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
- ROA 0.39% below tier average
- Delinquency rate 0.88% above tier average
- Member decline: -13.5% YoY
- Deposit Growth Rate: Bottom 1.0% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 16 that size in Oregon.
Shares and deposits -8.2% year over year ($136M in shares and deposits).
Membership: 9,516 members, -13.5% vs a year ago.
Delinquency rate 1.76%.
Return on assets 0.47%.
Efficiency ratio 75.78% vs a 76.73% peer average.
Loan-to-share ratio 79.91% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Members	9,516 -13.5% YoY-2.5% QoQ	-5.7K	15,168 -2.6% YoY	51,821 +9.3% YoY	34,678 +6.6% YoY	29%
Assets	$157.6M -6.6% YoY+0.5% QoQ	$-74.4M	$232.0M +0.7% YoY	$850.7M +8.9% YoY	$593.1M +10.2% YoY	34%
Loans	$108.7M -2.3% YoY+1.9% QoQ	$-37.6M	$146.3M +0.2% YoY	$590.7M +10.5% YoY	$418.6M +10.1% YoY	40%
Deposits	$136.0M -8.2% YoY+0.3% QoQ	$-64.7M	$200.7M +0.2% YoY	$725.1M +8.5% YoY	$504.8M +10.3% YoY	34%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.5% -9.6% YoY+10.4% QoQ	-0.4%	0.9% +12.5% YoY	0.8% +19.1% YoY	1.2% +121.4% YoY	26%
NIM	5.1% +1.0% YoY-0.2% QoQ	+1.4%	3.7% +4.5% YoY	4.0% +5.3% YoY	3.8% +2.3% YoY	Top 2.6% in tier
Efficiency Ratio	75.8% +1.0% YoY+0.4% QoQ	-1.0%	76.7% -0.8% YoY	78.0% +0.7% YoY	83.0% -5.3% YoY	44%
Delinquency Rate	1.8% -12.4% YoY-9.2% QoQ	+0.9	0.9% +6.6% YoY	1.1% +29.8% YoY	1.3% +2.6% YoY	Bottom 9.9% in tier
Loan To Share	79.9% +6.5% YoY+1.6% QoQ	+8.4%	71.5% -0.3% YoY	76.6% +0.5% YoY	66.4% -1.4% YoY	64%
AMR	$25,707 +9.1% YoY+3.6% QoQ	+$601	$25,107 +3.2% YoY	$25,405 +1.6% YoY	$20,028 -0.9% YoY	64%
CD Concentration	28.5% -17.6% YoY-0.2% QoQ	+3.9%	24.6%	16.7%	20.0%	50%
Indirect Auto %	28.2% -15.7% YoY+12.3% QoQ	+14.6%	13.6%	13.6%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#155 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 9.07%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | Rank worsening

Concerns (4)

Stagnation Risk

risk

#18 of 549 • Bottom 50.0% 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): -13.55%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -2.32%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 1.76%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Membership Headwinds

decline

#21 of 549 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -13.55%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

Institutional Decline

decline

#82 of 230 • Bottom 50.0% in tier

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

Why This Signature

Total Assets: $157.62M

(Tier: $336.17M, National: $593.11M)

worse than tier avg

Member Growth (YoY): -13.55%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -2.32%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#343 of 476 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): -6.60%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 28.21%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -13.55%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank worsening

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 1024 peers in tier

Top Strengths (3 metrics)

Net Interest Margin (NIM)

profitability

Value: 5.07%

Peer Median: 3.67%

#27 of 1024 Top 2.5% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 3.50%

Peer Median: 29.92%

#43 of 1024 Top 4.1% in 100M-500M tier

121

AMR Growth Rate

growth

Value: 9.07%

Peer Median: 3.53%

#121 of 1024 Top 11.7% in 100M-500M tier

Top Weaknesses (7 metrics)

1015

Deposit Growth Rate

growth

Value: -8.25%

Peer Median: 3.58%

#1015 of 1024 Bottom 1.0% in 100M-500M tier

1008

Member Growth Rate

growth

Value: -13.55%

Peer Median: -0.03%

#1008 of 1024 Bottom 1.7% in 100M-500M tier

1008

Asset Growth Rate

growth

Value: -6.60%

Peer Median: 4.12%

#1008 of 1024 Bottom 1.7% in 100M-500M tier

1003

Net Charge-Off Rate

risk

Value: 1.81%

Peer Median: 0.34%

#1003 of 1024 Bottom 2.1% in 100M-500M tier

924

Total Delinquency Rate (60+ days)

risk

Value: 1.76%

Peer Median: 0.71%

#924 of 1024 Bottom 9.9% in 100M-500M tier

852

Indirect Auto Concentration (%)

balance_sheet

Value: 28.21%

Peer Median: 6.15%

#852 of 1024 Bottom 16.9% in 100M-500M tier

819

Loan Growth Rate

growth

Value: -2.32%

Peer Median: 3.02%

#819 of 1024 Bottom 20.1% in 100M-500M tier