BlastPoint's Credit Union Scorecard
PACIFIC CREST
Charter #960 · OR
PACIFIC CREST has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Interest Margin 0.78% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Cost Spiral: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.13% below tier average
- - Efficiency ratio 4.42% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
25,905
+3.2% YoY+0.5% QoQ
|
+10.8K |
15,145
-2.5% YoY
|
51,194
+9.2% YoY
|
33,913
+5.7% YoY
|
Top 10.5% in tier |
| Assets |
$387.8M
+7.3% YoY+1.6% QoQ
|
+$156.0M |
$231.7M
+0.8% YoY
|
$843.4M
+7.6% YoY
|
$578.3M
+9.0% YoY
|
Top 13.0% in tier |
| Loans |
$263.0M
+12.1% YoY+1.5% QoQ
|
+$118.9M |
$144.1M
+0.2% YoY
|
$578.4M
+10.5% YoY
|
$402.4M
+8.7% YoY
|
Top 10.3% in tier |
| Deposits |
$346.4M
+7.1% YoY+1.7% QoQ
|
+$145.3M |
$201.1M
+0.4% YoY
|
$722.8M
+7.3% YoY
|
$494.3M
+9.1% YoY
|
Top 10.9% in tier |
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| ROA |
0.6%
-31.5% YoY-27.2% QoQ
|
-0.1% |
0.7%
+5.1% YoY
|
0.7%
-4.2% YoY
|
0.4%
-39.2% YoY
|
42% |
| NIM |
4.4%
-4.5% YoY-1.5% QoQ
|
+0.8% |
3.6%
+4.6% YoY
|
4.0%
+4.4% YoY
|
3.8%
+4.1% YoY
|
Top 11.3% in tier |
| Efficiency Ratio |
82.4%
+10.5% YoY+6.7% QoQ
|
+4.4% |
78.0%
-1.7% YoY
|
77.9%
+0.7% YoY
|
84.6%
+2.8% YoY
|
64% |
| Delinquency Rate |
0.6%
-7.5% YoY-4.1% QoQ
|
-0.2 |
0.8%
+7.1% YoY
|
1.1%
+40.5% YoY
|
1.2%
+3.4% YoY
|
45% |
| Loan To Share |
75.9%
+4.6% YoY-0.2% QoQ
|
+5.5% |
70.4%
-0.4% YoY
|
75.8%
+1.2% YoY
|
65.6%
-1.4% YoY
|
58% |
| AMR |
$23,526
+5.8% YoY+1.2% QoQ
|
$-1K |
$24,918
+2.7% YoY
|
$25,270
+0.9% YoY
|
$19,920
+1.6% YoY
|
54% |
| CD Concentration |
13.3%
+5.0% YoY+2.8% QoQ
|
-11.0% | 24.3% | 16.7% | 19.8% | 50% |
| Indirect Auto % |
27.2%
-1.1% YoY-2.1% QoQ
|
+13.4% | 13.8% | 13.7% | 7.7% | 50% |
Signature Analysis
Strengths (1)
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.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)