BlastPoint's Credit Union Scorecard
SAGE
Charter #960 · OR
SAGE has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.70% above tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.42% below tier average
- - Efficiency ratio 8.50% above tier (higher cost structure)
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 16 that size in Oregon.
- Shares and deposits +5.0% year over year ($343M in shares and deposits).
- Membership: 26,046 members, +2.6% vs a year ago.
- Delinquency rate 0.86%.
- Return on assets 0.44%.
- Efficiency ratio 85.24% vs a 76.73% peer average.
- Loan-to-share ratio 79.30% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
26,046
+2.6% YoY+0.5% QoQ
|
+10.9K |
15,168
-2.6% YoY
|
51,821
+9.3% YoY
|
34,678
+6.6% YoY
|
Top 10.4% in tier |
| Assets |
$385.1M
+5.2% YoY-0.7% QoQ
|
+$153.1M |
$232.0M
+0.7% YoY
|
$850.7M
+8.9% YoY
|
$593.1M
+10.2% YoY
|
Top 13.2% in tier |
| Loans |
$272.1M
+8.2% YoY+3.5% QoQ
|
+$125.9M |
$146.3M
+0.2% YoY
|
$590.7M
+10.5% YoY
|
$418.6M
+10.1% YoY
|
Top 10.4% in tier |
| Deposits |
$343.2M
+5.0% YoY-0.9% QoQ
|
+$142.5M |
$200.7M
+0.2% YoY
|
$725.1M
+8.5% YoY
|
$504.8M
+10.3% YoY
|
Top 11.1% in tier |
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| ROA |
0.4%
-46.7% YoY-26.2% QoQ
|
-0.4% |
0.9%
+12.5% YoY
|
0.8%
+19.1% YoY
|
1.2%
+121.4% YoY
|
23% |
| NIM |
4.4%
-4.5% YoY-0.5% QoQ
|
+0.7% |
3.7%
+4.5% YoY
|
4.0%
+5.3% YoY
|
3.8%
+2.3% YoY
|
Top 13.3% in tier |
| Efficiency Ratio |
85.2%
+12.1% YoY+3.4% QoQ
|
+8.5% |
76.7%
-0.8% YoY
|
78.0%
+0.7% YoY
|
83.0%
-5.3% YoY
|
77% |
| Delinquency Rate |
0.9%
+26.8% YoY+55.8% QoQ
|
+0.0 |
0.9%
+6.6% YoY
|
1.1%
+29.8% YoY
|
1.3%
+2.6% YoY
|
61% |
| Loan To Share |
79.3%
+3.1% YoY+4.5% QoQ
|
+7.8% |
71.5%
-0.3% YoY
|
76.6%
+0.5% YoY
|
66.4%
-1.4% YoY
|
63% |
| AMR |
$23,625
+3.7% YoY+0.4% QoQ
|
$-1K |
$25,107
+3.2% YoY
|
$25,405
+1.6% YoY
|
$20,028
-0.9% YoY
|
54% |
| CD Concentration |
14.7%
+12.8% YoY+10.3% QoQ
|
-9.9% | 24.6% | 16.7% | 20.0% | 50% |
| Indirect Auto % |
26.6%
-4.2% YoY-2.4% QoQ
|
+13.0% | 13.6% | 13.6% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
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.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)