BlastPoint's Credit Union Scorecard
MID OREGON
Charter #68748 · OR
MID OREGON has 4 strengths but faces 7 concerns
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How does OR stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.89% above tier average
- + Net Interest Margin 0.80% above tier average
- + Total Loans: Top 1.8% in tier
- + Total Delinquency Rate (60+ days): Top 2.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 6.5% in tier
- - Indirect Auto Dependency: Bottom 75.4% in tier
- - Member Growth Rate: Bottom 0.1% in tier
- - Asset Growth Rate: Bottom 0.1% in tier
- - Loan Growth Rate: Bottom 0.1% in tier
- - Deposit Growth Rate: Bottom 0.1% in tier
- - AMR Growth Rate: Bottom 0.1% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
53,382
+1.9% QoQ
|
+899 |
52,482
+1.3% YoY
|
51,821
+9.3% YoY
|
34,678
+6.6% YoY
|
51% |
| Assets |
$917.4M
+4.5% QoQ
|
+$53.5M |
$863.9M
+0.5% YoY
|
$850.7M
+8.9% YoY
|
$593.1M
+10.2% YoY
|
71% |
| Loans |
$780.8M
+4.3% QoQ
|
+$173.0M |
$607.8M
+2.1% YoY
|
$590.7M
+10.5% YoY
|
$418.6M
+10.1% YoY
|
Top 2.7% in tier |
| Deposits |
$810.5M
+4.6% QoQ
|
+$70.6M |
$739.9M
+0.2% YoY
|
$725.1M
+8.5% YoY
|
$504.8M
+10.3% YoY
|
78% |
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| ROA |
1.7%
-3.9% QoQ
|
+0.9% |
0.8%
+30.4% YoY
|
0.8%
+19.1% YoY
|
1.2%
+121.4% YoY
|
Top 4.5% in tier |
| NIM |
4.3%
-0.4% QoQ
|
+0.8% |
3.5%
+6.2% YoY
|
4.0%
+5.3% YoY
|
3.8%
+2.3% YoY
|
Top 5.4% in tier |
| Efficiency Ratio |
62.7%
-0.4% QoQ
|
-11.9% |
74.5%
-1.4% YoY
|
78.0%
+0.7% YoY
|
83.0%
-5.3% YoY
|
Top 12.6% in tier |
| Delinquency Rate |
0.1%
+33.1% QoQ
|
-0.7 |
0.8%
+1.0% YoY
|
1.1%
+29.8% YoY
|
1.3%
+2.6% YoY
|
Top 2.7% in tier |
| Loan To Share |
96.3%
-0.2% QoQ
|
+13.7% |
82.6%
+1.9% YoY
|
76.6%
+0.5% YoY
|
66.4%
-1.4% YoY
|
84% |
| AMR |
$29,810
+2.4% QoQ
|
+$1K |
$28,702
+0.4% YoY
|
$25,405
+1.6% YoY
|
$20,028
-0.9% YoY
|
64% |
| CD Concentration |
24.3%
-1.1% QoQ
|
-0.2% | 24.6% | 16.7% | 20.0% | 49% |
| Indirect Auto % |
20.4%
+0.7% QoQ
|
+6.8% | 13.6% | 13.6% | 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)