BlastPoint's Credit Union Scorecard

TEAMSTERS COUNCIL #37

Charter #68742 · OR

<100M

2508 CUs in <100M nationally 17 in OR

TEAMSTERS COUNCIL #37 has 3 strengths but faces 3 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

+ ROA 0.75% above tier average
+ Members Per Employee (MPE): Top 6.3% in tier
+ Total Assets: Top 10.0% in tier

Key Concerns

Areas that may need attention

- Delinquency rate 0.61% above tier average
- Member decline: -5.7% YoY
- Indirect Auto Concentration (%): Bottom 4.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Members	5,048 -5.7% YoY-0.1% QoQ	+2.4K	2,676 +1.6% YoY	51,194 +9.2% YoY	33,913 +5.7% YoY	Top 13.0% in tier
Assets	$74.9M +0.7% YoY-0.5% QoQ	+$44.7M	$30.2M +1.3% YoY	$843.4M +7.6% YoY	$578.3M +9.0% YoY	Top 10.0% in tier
Loans	$23.2M -1.8% YoY-4.2% QoQ	+$7.9M	$15.3M -2.0% YoY	$578.4M +10.5% YoY	$402.4M +8.7% YoY	76%
Deposits	$63.1M -0.3% YoY-0.8% QoQ	+$37.3M	$25.8M +0.7% YoY	$722.8M +7.3% YoY	$494.3M +9.1% YoY	Top 10.5% in tier

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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	0.9% -7.7% YoY-3.8% QoQ	+0.7%	0.1% -77.6% YoY	0.7% -4.2% YoY	0.4% -39.2% YoY	64%
NIM	3.2% +2.9% YoY+0.6% QoQ	-0.8%	4.0% +4.0% YoY	4.0% +4.4% YoY	3.8% +4.1% YoY	23%
Efficiency Ratio	71.7% +7.6% YoY+6.1% QoQ	-19.0%	90.6% +6.5% YoY	77.9% +0.7% YoY	84.6% +2.8% YoY	28%
Delinquency Rate	2.1% +117.6% YoY+15.0% QoQ	+0.6	1.5% +3.8% YoY	1.1% +40.5% YoY	1.2% +3.4% YoY	82%
Loan To Share	36.7% -1.5% YoY-3.4% QoQ	-21.8%	58.5% -3.0% YoY	75.8% +1.2% YoY	65.6% -1.4% YoY	18%
AMR	$17,092 +5.3% YoY-1.7% QoQ	+$2K	$14,884 -1.7% YoY	$25,270 +0.9% YoY	$19,920 +1.6% YoY	66%
CD Concentration	26.4% +16.8% YoY+5.8% QoQ	+2.1%	24.3%	16.7%	19.8%	50%
Indirect Auto %	25.7% +0.5% YoY-3.5% QoQ	+11.9%	13.8%	13.7%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (6 metrics)

158

Members Per Employee (MPE)

engagement

Value: 631.000

Peer Median: 333.750

#158 of 2508 Top 6.3% in <100M tier

251

Total Assets

balance_sheet

Value: $74.93M

Peer Median: $21.86M

#251 of 2508 Top 10.0% in <100M tier

264

Total Deposits

balance_sheet

Value: $63.13M

Peer Median: $18.77M

#264 of 2508 Top 10.5% in <100M tier

325

Total Members

engagement

Value: 5,048

Peer Median: 1,918

#325 of 2508 Top 12.9% in <100M tier

611

Total Loans

balance_sheet

Value: $23.15M

Peer Median: $9.48M

#611 of 2508 Top 24.3% in <100M tier

613

AMR Growth Rate

growth

Value: 5.30%

Peer Median: 1.27%

#613 of 2508 Top 24.4% in <100M tier

Top Weaknesses (6 metrics)

2396

Indirect Auto Concentration (%)

balance_sheet

Value: 25.70%

Peer Median: 0.00%

#2396 of 2508 Bottom 4.5% in <100M tier

2144

Member Growth Rate

growth

Value: -5.72%

Peer Median: -1.37%

#2144 of 2508 Bottom 14.6% in <100M tier

2064

Total Delinquency Rate (60+ days)

risk

Value: 2.11%

Peer Median: 0.65%

#2064 of 2508 Bottom 17.7% in <100M tier

2048

Loan-to-Share Ratio

balance_sheet

Value: 36.68%

Peer Median: 58.72%

#2048 of 2508 Bottom 18.4% in <100M tier

1934

Net Interest Margin (NIM)

profitability

Value: 3.16%

Peer Median: 3.83%

#1934 of 2508 Bottom 22.9% in <100M tier

1934

Share Certificate Concentration (%)

balance_sheet

Value: 26.37%

Peer Median: 12.45%

#1934 of 2508 Bottom 22.9% in <100M tier