BlastPoint's Credit Union Scorecard
CONSOLIDATED
Charter #9292 · OR
CONSOLIDATED has 11 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does OR stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 10.9% in tier
- + ROA 0.25% above tier average
- + Net Interest Margin 0.07% above tier average
- + Strong member growth: 62.3% YoY
- + Member Growth Rate: Top 0.6% in tier
- + Share Certificate Concentration (%): Top 1.2% in tier
- + Asset Growth Rate: Top 2.4% in tier
- + Deposit Growth Rate: Top 2.4% in tier
- + Loan Growth Rate: Top 3.0% in tier
- + Net Worth Ratio: Top 3.0% in tier
- + Total Delinquency Rate (60+ days): Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 2.4% in tier
- - Wealth Migration Risk: Bottom 15.8% in tier
- - Credit Risk Growth: Bottom 23.1% in tier
- - Credit Quality Pressure: Bottom 68.9% in tier
- - AMR Growth Rate: Bottom 0.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
33,020
+62.3% YoY-0.8% QoQ
|
-5.6K |
38,575
-4.8% YoY
|
49,474
+8.2% YoY
|
33,374
+5.7% YoY
|
32% |
| Assets |
$693.3M
+35.9% YoY+0.8% QoQ
|
+$71.6M |
$621.7M
+0.1% YoY
|
$800.8M
+6.1% YoY
|
$561.6M
+9.7% YoY
|
77% |
| Loans |
$464.0M
+22.3% YoY-1.1% QoQ
|
+$34.2M |
$429.8M
-1.8% YoY
|
$554.3M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
64% |
| Deposits |
$576.8M
+40.0% YoY+0.7% QoQ
|
+$38.0M |
$538.7M
+0.6% YoY
|
$686.9M
+6.2% YoY
|
$477.3M
+9.7% YoY
|
70% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.9%
+229.4% YoY-0.8% QoQ
|
+0.3% |
0.7%
+42.9% YoY
|
0.6%
+1.0% YoY
|
0.7%
+15.9% YoY
|
71% |
| NIM |
3.5%
+19.3% YoY+0.0% QoQ
|
+0.1% |
3.4%
+8.0% YoY
|
3.9%
+7.3% YoY
|
3.8%
+5.1% YoY
|
56% |
| Efficiency Ratio |
75.0%
-19.1% YoY-0.2% QoQ
|
-2.5% |
77.5%
-4.1% YoY
|
79.6%
-0.7% YoY
|
79.7%
-3.3% YoY
|
35% |
| Delinquency Rate |
0.2%
+102.8% YoY+27.7% QoQ
|
-0.6 |
0.8%
-1.1% YoY
|
1.1%
+23.3% YoY
|
1.3%
-2.1% YoY
|
Bottom 7.3% in tier |
| Loan To Share |
80.4%
-12.6% YoY-1.8% QoQ
|
+0.6% |
79.8%
-2.3% YoY
|
76.3%
+0.6% YoY
|
67.4%
-1.7% YoY
|
48% |
| AMR |
$31,518
-19.0% YoY+0.6% QoQ
|
+$5K |
$26,849
+2.7% YoY
|
$24,960
+0.4% YoY
|
$19,687
+2.0% YoY
|
79% |
| CD Concentration |
9.6%
-15.7% YoY+2.8% QoQ
|
-14.8% | 24.4% | 16.6% | 19.8% | Bottom 8.1% in tier |
| Indirect Auto % |
3.9%
-42.9% YoY-7.2% QoQ
|
-9.9% | 13.8% | 13.7% | 7.8% | 43% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Wealth Migration Risk
declineHigh-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)