CUTTING EDGE
Charter #8317 | OR
<100M
(2596 CUs)
Micro
($0-$500M)
17 <100M in OR
CUTTING EDGE has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.97% below tier average
- - Efficiency ratio 17.51% above tier (higher cost structure)
- - Asset Growth Rate: Bottom 7.0% in tier
- - Deposit Growth Rate: Bottom 7.1% in tier
- - AMR Growth Rate: Bottom 8.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,810
-1.3% YoY-0.6% QoQ
|
+1.2K |
2,625
-2.2% YoY
|
48,799
+9.4% YoY
|
33,089
+6.1% YoY
|
Top 23.3% in tier |
| Assets |
$53.1M
-8.5% YoY-2.4% QoQ
|
+$23.3M |
$29.9M
+1.1% YoY
|
$801.2M
+7.5% YoY
|
$547.7M
+7.8% YoY
|
Top 21.1% in tier |
| Loans |
$19.2M
-10.4% YoY-2.9% QoQ
|
+$3.5M |
$15.8M
-2.4% YoY
|
$546.0M
+10.9% YoY
|
$388.7M
+8.6% YoY
|
69th in tier |
| Deposits |
$46.8M
-10.1% YoY-3.4% QoQ
|
+$21.3M |
$25.5M
+0.4% YoY
|
$683.7M
+7.5% YoY
|
$464.6M
+9.3% YoY
|
Top 20.1% in tier |
| ROA |
-0.3%
-85.1% YoY+6.6% QoQ
|
-1.0% |
0.7%
-731.4% YoY
|
0.7%
+15.2% YoY
|
0.7%
+273.4% YoY
|
Bottom 10.9% in tier |
| NIM |
3.4%
+34.6% YoY+4.2% QoQ
|
-0.6% |
3.9%
+3.8% YoY
|
3.9%
+7.2% YoY
|
3.7%
+5.0% YoY
|
29th in tier |
| Efficiency Ratio |
98.9%
-44.5% YoY+0.7% QoQ
|
+17.5% |
81.4%
-2.4% YoY
|
76.2%
-3.6% YoY
|
79.1%
-3.3% YoY
|
Top 11.8% in tier |
| Delinquency Rate |
0.9%
+60.4% YoY+43.5% QoQ
|
-0.6 |
1.5%
-2.0% YoY
|
0.9%
-6.6% YoY
|
1.2%
-0.9% YoY
|
59th in tier |
| Loan To Share |
41.1%
-0.4% YoY+0.5% QoQ
|
-20.1% |
61.2%
-3.0% YoY
|
76.2%
+0.8% YoY
|
68.0%
-1.7% YoY
|
Bottom 20.3% in tier |
| AMR |
$17,331
-9.0% YoY-2.7% QoQ
|
+$3K |
$14,627
-2.7% YoY
|
$25,038
+0.5% YoY
|
$19,418
+1.3% YoY
|
68th in tier |
| CD Concentration |
23.3%
-8.8% YoY+0.6% QoQ
|
-1.1% |
24.4%
+4.2% YoY
|
16.6%
+1.3% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
13.9%
-0.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
261
Fee Income Per Member
profitability
Value:
$170.42
Peer Avg: $182.96
#261 of 2596
Top 10.0% in <100M tier
522
Total Deposits
balance_sheet
Value:
$46.79M
Peer Avg: $25.45M
#522 of 2596
Top 20.1% in <100M tier
547
Total Assets
balance_sheet
Value:
$53.12M
Peer Avg: $29.86M
#547 of 2596
Top 21.0% in <100M tier
605
Total Members
engagement
Value:
3,810
Peer Avg: 2,626
#605 of 2596
Top 23.3% in <100M tier
Top Weaknesses (9 metrics)
2414
Asset Growth Rate
growth
Value:
-8.48%
Peer Avg: 1.82%
#2414 of 2596
Bottom 7.0% in <100M tier
2413
Deposit Growth Rate
growth
Value:
-10.13%
Peer Avg: 16.80%
#2413 of 2596
Bottom 7.1% in <100M tier
2369
AMR Growth Rate
growth
Value:
-9.02%
Peer Avg: 4.67%
#2369 of 2596
Bottom 8.8% in <100M tier
2314
Return on Assets (ROA)
profitability
Value:
-0.29%
Peer Avg: 0.68%
#2314 of 2596
Bottom 10.9% in <100M tier
2290
Efficiency Ratio
profitability
Value:
98.90%
Peer Avg: 81.39%
#2290 of 2596
Bottom 11.8% in <100M tier
2101
Net Worth Ratio
risk
Value:
10.29%
Peer Avg: 16.43%
#2101 of 2596
Bottom 19.1% in <100M tier
2077
Loan Growth Rate
growth
Value:
-10.44%
Peer Avg: 59.01%
#2077 of 2596
Bottom 20.0% in <100M tier
2064
Loan-to-Share Ratio
balance_sheet
Value:
41.11%
Peer Avg: 61.23%
#2064 of 2596
Bottom 20.5% in <100M tier
1990
Net Charge-Off Rate
risk
Value:
0.66%
Peer Avg: 0.57%
#1990 of 2596
Bottom 23.4% in <100M tier