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 1.73% below tier average
- - Efficiency ratio 34.63% above tier (higher cost structure)
- - Asset Growth Rate: Bottom 4.4% in tier
- - Deposit Growth Rate: Bottom 4.9% in tier
- - AMR Growth Rate: Bottom 6.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,802
-1.1% YoY-0.2% QoQ
|
+1.2K |
2,615
-1.9% YoY
|
49,474
+8.2% YoY
|
33,374
+5.7% YoY
|
77% |
| Assets |
$50.7M
-10.2% YoY-4.5% QoQ
|
+$20.6M |
$30.1M
+2.1% YoY
|
$800.8M
+6.1% YoY
|
$561.6M
+9.7% YoY
|
78% |
| Loans |
$19.1M
-8.9% YoY-0.9% QoQ
|
+$3.3M |
$15.8M
-1.3% YoY
|
$554.3M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
68% |
| Deposits |
$44.4M
-11.9% YoY-5.1% QoQ
|
+$18.7M |
$25.7M
+1.4% YoY
|
$686.9M
+6.2% YoY
|
$477.3M
+9.7% YoY
|
78% |
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| ROA |
-1.1%
-33.0% YoY+280.1% QoQ
|
-1.7% |
0.6%
+10.8% YoY
|
0.6%
+1.0% YoY
|
0.7%
+15.9% YoY
|
Bottom 5.5% in tier |
| NIM |
3.4%
+33.1% YoY+1.8% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.9%
+7.3% YoY
|
3.8%
+5.1% YoY
|
31% |
| Efficiency Ratio |
117.2%
-24.3% YoY+18.5% QoQ
|
+34.6% |
82.6%
-2.3% YoY
|
79.6%
-0.7% YoY
|
79.7%
-3.3% YoY
|
Top 4.5% in tier |
| Delinquency Rate |
1.1%
-19.9% YoY+12.9% QoQ
|
-0.5 |
1.6%
-3.1% YoY
|
1.1%
+23.3% YoY
|
1.3%
-2.1% YoY
|
62% |
| Loan To Share |
42.9%
+3.5% YoY+4.5% QoQ
|
-17.7% |
60.6%
-3.1% YoY
|
76.3%
+0.6% YoY
|
67.4%
-1.7% YoY
|
23% |
| AMR |
$16,698
-10.0% YoY-3.7% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$24,960
+0.4% YoY
|
$19,687
+2.0% YoY
|
65% |
| CD Concentration |
21.5%
-15.8% YoY-7.4% QoQ
|
-2.9% | 24.4% | 16.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 13.7% | 7.8% | 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)