PACIFIC CREST

Charter #960 | OR

100M-500M (1077 CUs) Micro
18 100M-500M in OR

PACIFIC CREST has 6 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 1.1% in tier
  • + Wallet Share Momentum: Top 6.4% in tier
  • + Organic Growth Engine: Top 15.7% in tier
  • + ROA 0.02% above tier average
  • + Net Interest Margin 0.95% above tier average
  • + Loan Growth Rate: Top 3.7% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 10.9% in tier
  • - Margin Compression: Bottom 12.4% in tier
  • - Cost Spiral: Bottom 13.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
Members 25,609
+4.3% YoY+0.9% QoQ
 +10.0K 15,628
-3.4% YoY
 48,799
+9.4% YoY
 33,089
+6.1% YoY
 Top 12.3% in tier
Assets $378.3M
+9.2% YoY+3.4% QoQ
 +$147.0M $231.3M
-0.0% YoY
 $801.2M
+7.5% YoY
 $547.7M
+7.8% YoY
 Top 13.7% in tier
Loans $258.7M
+19.2% YoY+2.9% QoQ
 +$110.9M $147.8M
-1.4% YoY
 $546.0M
+10.9% YoY
 $388.7M
+8.6% YoY
 Top 12.6% in tier
Deposits $338.1M
+9.1% YoY+3.4% QoQ
 +$137.8M $200.3M
-0.0% YoY
 $683.7M
+7.5% YoY
 $464.6M
+9.3% YoY
 Top 11.8% in tier
ROA 0.8%
-42.4% YoY-1.6% QoQ
 +0.0% 0.8%
+15.5% YoY
 0.7%
+15.2% YoY
 0.7%
+273.4% YoY
 54th in tier
NIM 4.5%
-1.2% YoY-1.2% QoQ
 +1.0% 3.6%
+6.9% YoY
 3.9%
+7.2% YoY
 3.7%
+5.0% YoY
 Top 8.3% in tier
Efficiency Ratio 76.8%
+10.6% YoY+1.0% QoQ
 -0.5% 77.3%
-3.0% YoY
 76.2%
-3.6% YoY
 79.1%
-3.3% YoY
 49th in tier
Delinquency Rate 0.6%
-4.4% YoY-10.9% QoQ
 -0.3 0.9%
+7.6% YoY
 0.9%
-6.6% YoY
 1.2%
-0.9% YoY
 46th in tier
Loan To Share 76.5%
+9.3% YoY-0.5% QoQ
 +3.8% 72.7%
-1.5% YoY
 76.2%
+0.8% YoY
 68.0%
-1.7% YoY
 55th in tier
AMR $23,306
+8.6% YoY+2.3% QoQ
 $-1K $24,363
+2.9% YoY
 $25,038
+0.5% YoY
 $19,418
+1.3% YoY
 55th in tier
CD Concentration 12.7%
+10.0% YoY-2.8% QoQ
 -11.8% 24.4%
+4.2% YoY
 16.6%
+1.3% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 27.7%
+5.3% YoY-0.0% QoQ
 +13.8% 14.0%
-5.8% YoY
 13.9%
-0.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#31 of 1006 • Top 1.1% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 8.61%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $4.4K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#178 of 1006 • Top 6.4% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 8.61%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Organic Growth Engine

growth
#288 of 603 • Top 15.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.27%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.81%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 27.74%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Concerns (3)

Indirect Auto Dependency

risk
#176 of 525 • Bottom 10.9% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 9.24%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 27.74%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 4.27%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Margin Compression

decline
#53 of 136 • Bottom 12.4% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 0.81%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.60% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Total Assets: $378.33M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
136 of 1077 Community CUs have this signature | 169 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Cost Spiral

risk
#34 of 62 • Bottom 13.6% in tier

Historically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.

Why This Signature
Efficiency Ratio Change: 7.38% points
(Tier: -2.84% points, National: -1.81% points)
worse than tier avg
Efficiency Ratio (Prior Year): -
(Tier: -, National: -)
Total Assets: $378.33M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
62 of 1077 Community CUs have this signature | 80 nationally
↓ Shrinking -38 CUs YoY | New qualifier

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)

Comparing against 1077 peers in tier

Top Strengths (12 metrics)

41
Loan Growth Rate
growth
Value: 19.19%
Peer Avg: 3.45%
#41 of 1077 Top 3.7% in 100M-500M tier
89
Net Interest Margin (NIM)
profitability
Value: 4.54%
Peer Avg: 3.58%
#89 of 1077 Top 8.2% in 100M-500M tier
127
Total Deposits
balance_sheet
Value: $338.11M
Peer Avg: $200.29M
#127 of 1077 Top 11.7% in 100M-500M tier
130
Member Growth Rate
growth
Value: 4.27%
Peer Avg: 0.72%
#130 of 1077 Top 12.0% in 100M-500M tier
132
Total Members
engagement
Value: 25,609
Peer Avg: 15,628
#132 of 1077 Top 12.2% in 100M-500M tier
136
Total Loans
balance_sheet
Value: $258.72M
Peer Avg: $147.80M
#136 of 1077 Top 12.5% in 100M-500M tier
138
AMR Growth Rate
growth
Value: 8.61%
Peer Avg: 3.64%
#138 of 1077 Top 12.7% in 100M-500M tier
148
Total Assets
balance_sheet
Value: $378.33M
Peer Avg: $231.30M
#148 of 1077 Top 13.6% in 100M-500M tier
155
Asset Growth Rate
growth
Value: 9.24%
Peer Avg: 4.70%
#155 of 1077 Top 14.3% in 100M-500M tier
160
Deposit Growth Rate
growth
Value: 9.08%
Peer Avg: 4.69%
#160 of 1077 Top 14.8% in 100M-500M tier

Top Weaknesses (2 metrics)

873
Indirect Auto Concentration (%)
balance_sheet
Value: 27.74%
Peer Avg: 13.34%
#873 of 1077 Bottom 19.0% in 100M-500M tier
820
Members Per Employee (MPE)
engagement
Value: 264.010
Peer Avg: 332.881
#820 of 1077 Bottom 24.0% in 100M-500M tier