BlastPoint's Credit Union Scorecard

44 NORTH

Charter #68739 · OR

100M-500M

1070 CUs in 100M-500M nationally 17 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 1.44% above tier average
+ First Mortgage Concentration (%): Top 4.2% 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 0.30% below tier average
- Delinquency rate 1.16% above tier average
- Member decline: -13.7% YoY
- Deposit Growth Rate: Bottom 1.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Members	9,761 -13.7% YoY-3.1% QoQ	-5.4K	15,145 -2.5% YoY	51,194 +9.2% YoY	33,913 +5.7% YoY	31%
Assets	$156.9M -6.1% YoY-4.5% QoQ	$-74.8M	$231.7M +0.8% YoY	$843.4M +7.6% YoY	$578.3M +9.0% YoY	34%
Loans	$106.6M -2.2% YoY-1.9% QoQ	$-37.5M	$144.1M +0.2% YoY	$578.4M +10.5% YoY	$402.4M +8.7% YoY	40%
Deposits	$135.6M -7.7% YoY-5.4% QoQ	$-65.6M	$201.1M +0.4% YoY	$722.8M +7.3% YoY	$494.3M +9.1% 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	0.4% -29.5% YoY-9.3% QoQ	-0.3%	0.7% +5.1% YoY	0.7% -4.2% YoY	0.4% -39.2% YoY	32%
NIM	5.1% -0.6% YoY+1.0% QoQ	+1.4%	3.6% +4.6% YoY	4.0% +4.4% YoY	3.8% +4.1% YoY	Top 2.3% in tier
Efficiency Ratio	75.5% -5.1% YoY-0.4% QoQ	-2.5%	78.0% -1.7% YoY	77.9% +0.7% YoY	84.6% +2.8% YoY	39%
Delinquency Rate	1.9% -12.0% YoY-9.8% QoQ	+1.2	0.8% +7.1% YoY	1.1% +40.5% YoY	1.2% +3.4% YoY	Bottom 5.6% in tier
Loan To Share	78.7% +5.9% YoY+3.7% QoQ	+8.2%	70.4% -0.4% YoY	75.8% +1.2% YoY	65.6% -1.4% YoY	65%
AMR	$24,813 +9.8% YoY-0.9% QoQ	$-105	$24,918 +2.7% YoY	$25,270 +0.9% YoY	$19,920 +1.6% YoY	60%
CD Concentration	28.5% -16.5% YoY-17.1% QoQ	+4.2%	24.3%	16.7%	19.8%	50%
Indirect Auto %	25.1% -34.4% YoY-7.2% QoQ	+11.3%	13.8%	13.7%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#133 of 491 • 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): 9.78%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank worsening

Concerns (4)

Stagnation Risk

risk

#14 of 570 • 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): -13.75%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -2.16%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 1.94%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#19 of 570 • 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): -13.75%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#88 of 250 • 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: $156.89M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -13.75%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -2.16%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Indirect Auto Dependency

risk

#395 of 504 • 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): -6.10%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 25.12%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -13.75%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 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 1070 peers in tier

Top Strengths (3 metrics)

Net Interest Margin (NIM)

profitability

Value: 5.07%

Peer Median: 3.62%

#25 of 1070 Top 2.2% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 2.90%

Peer Median: 29.47%

#46 of 1070 Top 4.2% in 100M-500M tier

109

AMR Growth Rate

growth

Value: 9.78%

Peer Median: 3.46%

#109 of 1070 Top 10.1% in 100M-500M tier

Top Weaknesses (8 metrics)

1057

Deposit Growth Rate

growth

Value: -7.65%

Peer Median: 3.30%

#1057 of 1070 Bottom 1.3% in 100M-500M tier

1052

Member Growth Rate

growth

Value: -13.75%

Peer Median: -0.06%

#1052 of 1070 Bottom 1.8% in 100M-500M tier

1052

Net Charge-Off Rate

risk

Value: 2.13%

Peer Median: 0.35%

#1052 of 1070 Bottom 1.8% in 100M-500M tier

1046

Asset Growth Rate

growth

Value: -6.10%

Peer Median: 3.91%

#1046 of 1070 Bottom 2.3% in 100M-500M tier

1011

Total Delinquency Rate (60+ days)

risk

Value: 1.94%

Peer Median: 0.61%

#1011 of 1070 Bottom 5.6% in 100M-500M tier

847

Indirect Auto Concentration (%)

balance_sheet

Value: 25.12%

Peer Median: 6.61%

#847 of 1070 Bottom 20.9% in 100M-500M tier

841

Loan Growth Rate

growth

Value: -2.16%

Peer Median: 2.93%

#841 of 1070 Bottom 21.5% in 100M-500M tier

831

Members Per Employee (MPE)

engagement

Value: 256.868

Peer Median: 309.176

#831 of 1070 Bottom 22.4% in 100M-500M tier