BlastPoint's Credit Union Scorecard
PACIFIC CREST
Charter #960 · OR
PACIFIC CREST has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 15.7% in tier
- + Wallet Share Momentum: Top 36.9% 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 |
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| 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
|
54% |
| 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
|
49% |
| 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
|
46% |
| 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
|
55% |
| 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
|
55% |
| 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
|
50% |
| Indirect Auto % |
27.7%
+5.3% YoY-0.0% QoQ
|
+13.8% |
14.0%
-5.7% YoY
|
13.9%
-0.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
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)