BlastPoint's Credit Union Scorecard

CUTTING EDGE

Charter #8317 · OR

<100M

2508 CUs in <100M nationally 17 in OR

CUTTING EDGE demonstrates 1 strength

National Analysis

How does the industry compare?

OR Analysis

How does OR stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Fee Income Per Member: Top 0.8% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Members	3,750 -1.7% YoY-1.4% QoQ	+1.1K	2,676 +1.6% YoY	51,194 +9.2% YoY	33,913 +5.7% YoY	77%
Assets	$51.8M -6.3% YoY+2.1% QoQ	+$21.6M	$30.2M +1.3% YoY	$843.4M +7.6% YoY	$578.3M +9.0% YoY	78%
Loans	$18.9M -6.0% YoY-1.0% QoQ	+$3.6M	$15.3M -2.0% YoY	$578.4M +10.5% YoY	$402.4M +8.7% YoY	69%
Deposits	$46.0M -6.4% YoY+3.5% QoQ	+$20.2M	$25.8M +0.7% YoY	$722.8M +7.3% YoY	$494.3M +9.1% YoY	79%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.2% -147.5% YoY-117.7% QoQ	+0.0%	0.1% -77.6% YoY	0.7% -4.2% YoY	0.4% -39.2% YoY	29%
NIM	3.5% +11.0% YoY+2.2% QoQ	-0.5%	4.0% +4.0% YoY	4.0% +4.4% YoY	3.8% +4.1% YoY	36%
Efficiency Ratio	87.4% -8.0% YoY-25.4% QoQ	-3.2%	90.6% +6.5% YoY	77.9% +0.7% YoY	84.6% +2.8% YoY	64%
Delinquency Rate	1.1% +42.3% YoY+5.6% QoQ	-0.4	1.5% +3.8% YoY	1.1% +40.5% YoY	1.2% +3.4% YoY	67%
Loan To Share	41.1% +0.4% YoY-4.4% QoQ	-17.4%	58.5% -3.0% YoY	75.8% +1.2% YoY	65.6% -1.4% YoY	23%
AMR	$17,292 -4.7% YoY+3.6% QoQ	+$2K	$14,884 -1.7% YoY	$25,270 +0.9% YoY	$19,920 +1.6% YoY	67%
CD Concentration	22.2% -8.6% YoY+2.9% QoQ	-2.1%	24.3%	16.7%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	13.7%	7.7%	50%

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

Fee Income Per Member

profitability

Value: $372.82

Peer Median: $60.42

#21 of 2508 Top 0.8% in <100M tier

523

Total Deposits

balance_sheet

Value: $45.97M

Peer Median: $18.77M

#523 of 2508 Top 20.8% in <100M tier

545

Total Assets

balance_sheet

Value: $51.80M

Peer Median: $21.86M

#545 of 2508 Top 21.7% in <100M tier

584

Total Members

engagement

Value: 3,750

Peer Median: 1,918

#584 of 2508 Top 23.2% in <100M tier

Top Weaknesses (6 metrics)

2245

Asset Growth Rate

growth

Value: -6.26%

Peer Median: 1.30%

#2245 of 2508 Bottom 10.5% in <100M tier

2200

Net Charge-Off Rate

risk

Value: 1.13%

Peer Median: 0.07%

#2200 of 2508 Bottom 12.3% in <100M tier

2173

Deposit Growth Rate

growth

Value: -6.37%

Peer Median: 0.66%

#2173 of 2508 Bottom 13.4% in <100M tier

2147

Net Worth Ratio

risk

Value: 9.63%

Peer Median: 14.28%

#2147 of 2508 Bottom 14.4% in <100M tier

2058

AMR Growth Rate

growth

Value: -4.69%

Peer Median: 1.27%

#2058 of 2508 Bottom 18.0% in <100M tier

1931

Loan-to-Share Ratio

balance_sheet

Value: 41.06%

Peer Median: 58.72%

#1931 of 2508 Bottom 23.0% in <100M tier