BlastPoint's Credit Union Scorecard
MID OREGON
Charter #68748 · OR
MID OREGON has 5 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does OR stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.04% above tier average
- + Net Interest Margin 0.88% above tier average
- + Total Delinquency Rate (60+ days): Top 3.4% in tier
- + Total Loans: Top 3.4% in tier
- + Loan-to-Share Ratio: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 4.2% in tier
- - Indirect Auto Dependency: Bottom 74.0% in tier
- - Member Growth Rate: Bottom 0.0% in tier
- - Asset Growth Rate: Bottom 0.0% in tier
- - Loan Growth Rate: Bottom 0.0% in tier
- - Deposit Growth Rate: Bottom 0.0% in tier
- - AMR Growth Rate: Bottom 0.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
52,362
+1.0% QoQ
|
+861 |
51,500
+0.7% YoY
|
51,194
+9.2% YoY
|
33,913
+5.7% YoY
|
52% |
| Assets |
$877.7M
+3.2% QoQ
|
+$12.1M |
$865.6M
+0.9% YoY
|
$843.4M
+7.6% YoY
|
$578.3M
+9.0% YoY
|
57% |
| Loans |
$748.6M
+1.7% QoQ
|
+$153.3M |
$595.3M
+1.6% YoY
|
$578.4M
+10.5% YoY
|
$402.4M
+8.7% YoY
|
Top 4.3% in tier |
| Deposits |
$775.3M
+3.3% QoQ
|
+$33.1M |
$742.2M
+0.6% YoY
|
$722.8M
+7.3% YoY
|
$494.3M
+9.1% YoY
|
70% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.8%
+9.0% QoQ
|
+1.0% |
0.8%
+45.0% YoY
|
0.7%
-4.2% YoY
|
0.4%
-39.2% YoY
|
Top 5.1% in tier |
| NIM |
4.3%
-0.4% QoQ
|
+0.9% |
3.5%
+6.1% YoY
|
4.0%
+4.4% YoY
|
3.8%
+4.1% YoY
|
Top 6.0% in tier |
| Efficiency Ratio |
63.0%
+0.3% QoQ
|
-12.6% |
75.5%
-3.4% YoY
|
77.9%
+0.7% YoY
|
84.6%
+2.8% YoY
|
Top 14.5% in tier |
| Delinquency Rate |
0.1%
-62.4% QoQ
|
-0.6 |
0.7%
-0.1% YoY
|
1.1%
+40.5% YoY
|
1.2%
+3.4% YoY
|
Top 3.4% in tier |
| Loan To Share |
96.6%
-1.5% QoQ
|
+15.9% |
80.6%
+0.7% YoY
|
75.8%
+1.2% YoY
|
65.6%
-1.4% YoY
|
Top 9.4% in tier |
| AMR |
$29,103
+1.5% QoQ
|
+$195 |
$28,908
+0.7% YoY
|
$25,270
+0.9% YoY
|
$19,920
+1.6% YoY
|
62% |
| CD Concentration |
24.6%
+3.5% QoQ
|
+0.3% | 24.3% | 16.7% | 19.8% | 51% |
| Indirect Auto % |
20.2%
-0.2% QoQ
|
+6.4% | 13.8% | 13.7% | 7.7% | 72% |
Signature Analysis
Strengths (0)
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)