BlastPoint's Credit Union Scorecard
CUTTING EDGE
Charter #8317 · OR
CUTTING EDGE has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Fee Income Per Member: Top 1.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.40% below tier average
- - Efficiency ratio 4.38% above tier (higher cost structure)
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 18 that size in Oregon.
- Shares and deposits -2.7% year over year ($47.1M in shares and deposits).
- Membership: 3,873 members, +1.0% vs a year ago.
- Delinquency rate 0.24%.
- Return on assets 0.10%.
- Efficiency ratio 93.14% vs a 88.77% peer average.
- Loan-to-share ratio 40.94% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,873
+1.0% YoY+3.3% QoQ
|
+1.3K |
2,585
-1.7% YoY
|
51,821
+9.3% YoY
|
34,678
+6.6% YoY
|
78% |
| Assets |
$53.1M
-2.4% YoY+2.5% QoQ
|
+$22.8M |
$30.3M
+1.5% YoY
|
$850.7M
+8.9% YoY
|
$593.1M
+10.2% YoY
|
79% |
| Loans |
$19.3M
-2.6% YoY+2.2% QoQ
|
+$3.8M |
$15.5M
-1.7% YoY
|
$590.7M
+10.5% YoY
|
$418.6M
+10.1% YoY
|
69% |
| Deposits |
$47.1M
-2.7% YoY+2.5% QoQ
|
+$21.3M |
$25.8M
+1.1% YoY
|
$725.1M
+8.5% YoY
|
$504.8M
+10.3% YoY
|
80% |
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| ROA |
0.1%
-135.0% YoY-51.3% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
0.8%
+19.1% YoY
|
1.2%
+121.4% YoY
|
Bottom 6.1% in tier |
| NIM |
3.5%
+9.8% YoY+1.4% QoQ
|
-0.4% |
3.9%
+0.9% YoY
|
4.0%
+5.3% YoY
|
3.8%
+2.3% YoY
|
36% |
| Efficiency Ratio |
93.1%
-5.1% YoY+6.5% QoQ
|
+4.4% |
88.8%
-6.9% YoY
|
78.0%
+0.7% YoY
|
83.0%
-5.3% YoY
|
77% |
| Delinquency Rate |
0.2%
-62.7% YoY-78.2% QoQ
|
-1.3 |
1.5%
+2.1% YoY
|
1.1%
+29.8% YoY
|
1.3%
+2.6% YoY
|
29% |
| Loan To Share |
40.9%
+0.1% YoY-0.3% QoQ
|
-17.9% |
58.9%
-3.1% YoY
|
76.6%
+0.5% YoY
|
66.4%
-1.4% YoY
|
23% |
| AMR |
$17,153
-3.7% YoY-0.8% QoQ
|
+$2K |
$14,963
-6.8% YoY
|
$25,405
+1.6% YoY
|
$20,028
-0.9% YoY
|
66% |
| CD Concentration |
23.9%
+3.3% YoY+7.8% QoQ
|
-0.7% | 24.6% | 16.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 13.6% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)