BlastPoint's Credit Union Scorecard
PACIFIC CREST
Charter #960 · OR
PACIFIC CREST has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 49.2% in tier
- + Wallet Share Momentum: Top 62.3% in tier
- + ROA 0.05% above tier average
- + Net Interest Margin 0.87% above tier average
- + Loan Growth Rate: Top 6.9% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 36.1% in tier
- - Indirect Auto Dependency: Bottom 42.6% in tier
- - Cost Spiral: Bottom 46.7% in tier
- - Efficiency ratio 0.27% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
25,784
+4.0% YoY+0.7% QoQ
|
+10.3K |
15,437
-2.9% YoY
|
49,474
+8.2% YoY
|
33,374
+5.7% YoY
|
Top 11.0% in tier |
| Assets |
$381.7M
+8.3% YoY+0.9% QoQ
|
+$149.9M |
$231.9M
+1.3% YoY
|
$800.8M
+6.1% YoY
|
$561.6M
+9.7% YoY
|
Top 13.6% in tier |
| Loans |
$259.2M
+15.4% YoY+0.2% QoQ
|
+$111.8M |
$147.3M
-0.1% YoY
|
$554.3M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
Top 12.3% in tier |
| Deposits |
$340.5M
+8.3% YoY+0.7% QoQ
|
+$139.7M |
$200.8M
+0.8% YoY
|
$686.9M
+6.2% YoY
|
$477.3M
+9.7% YoY
|
Top 11.8% in tier |
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| ROA |
0.8%
-42.0% YoY+0.8% QoQ
|
+0.1% |
0.8%
+18.2% YoY
|
0.6%
+1.0% YoY
|
0.7%
+15.9% YoY
|
55% |
| NIM |
4.5%
-2.4% YoY-1.3% QoQ
|
+0.9% |
3.6%
+6.7% YoY
|
3.9%
+7.3% YoY
|
3.8%
+5.1% YoY
|
Top 10.1% in tier |
| Efficiency Ratio |
77.3%
+10.8% YoY+0.6% QoQ
|
+0.3% |
77.0%
-3.1% YoY
|
79.6%
-0.7% YoY
|
79.7%
-3.3% YoY
|
50% |
| Delinquency Rate |
0.6%
-0.7% YoY-4.8% QoQ
|
-0.3 |
0.9%
+4.2% YoY
|
1.1%
+23.3% YoY
|
1.3%
-2.1% YoY
|
39% |
| Loan To Share |
76.1%
+6.5% YoY-0.5% QoQ
|
+3.9% |
72.2%
-1.1% YoY
|
76.3%
+0.6% YoY
|
67.4%
-1.7% YoY
|
54% |
| AMR |
$23,257
+6.9% YoY-0.2% QoQ
|
$-1K |
$24,676
+3.4% YoY
|
$24,960
+0.4% YoY
|
$19,687
+2.0% YoY
|
53% |
| CD Concentration |
12.9%
+5.8% YoY+2.3% QoQ
|
-11.5% | 24.4% | 16.6% | 19.8% | 50% |
| Indirect Auto % |
27.8%
+5.7% YoY+0.3% QoQ
|
+14.0% | 13.8% | 13.7% | 7.8% | 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)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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.
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)