BlastPoint's Credit Union Scorecard
CUTTING EDGE
Charter #8317 · 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
|
77% |
| 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
|
79% |
| 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
|
69% |
| 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
|
80% |
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| 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
|
29% |
| 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
|
59% |
| 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
|
20% |
| 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
|
68% |
| 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
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
13.9%
-0.5% YoY
|
7.9%
-2.9% YoY
|
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)