BlastPoint's Credit Union Scorecard
EWEB EMPLOYEES
Charter #9777 · OR
EWEB EMPLOYEES has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.67% above tier average
- + Net Interest Margin 0.27% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 3.0% in tier
- + Loan-to-Member Ratio (LMR): Top 5.8% in tier
Key Concerns
Areas that may need attention
- - First Mortgage Concentration (%): Bottom 9.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,421
+1.9% YoY+1.6% QoQ
|
-1.2K |
2,625
-2.2% YoY
|
48,799
+9.4% YoY
|
33,089
+6.1% YoY
|
39% |
| Assets |
$34.0M
-0.0% YoY-0.1% QoQ
|
+$4.2M |
$29.9M
+1.1% YoY
|
$801.2M
+7.5% YoY
|
$547.7M
+7.8% YoY
|
64% |
| Loans |
$15.9M
-2.3% YoY+0.3% QoQ
|
+$144K |
$15.8M
-2.4% YoY
|
$546.0M
+10.9% YoY
|
$388.7M
+8.6% YoY
|
63% |
| Deposits |
$29.4M
-1.9% YoY-0.4% QoQ
|
+$4.0M |
$25.5M
+0.4% YoY
|
$683.7M
+7.5% YoY
|
$464.6M
+9.3% YoY
|
64% |
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| ROA |
1.4%
-32.4% YoY-10.6% QoQ
|
+0.7% |
0.7%
-731.4% YoY
|
0.7%
+15.2% YoY
|
0.7%
+273.4% YoY
|
76% |
| NIM |
4.2%
+0.7% YoY-2.0% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
3.9%
+7.2% YoY
|
3.7%
+5.0% YoY
|
62% |
| Efficiency Ratio |
67.7%
+20.2% YoY+6.4% QoQ
|
-13.6% |
81.4%
-2.4% YoY
|
76.2%
-3.6% YoY
|
79.1%
-3.3% YoY
|
27% |
| Delinquency Rate |
0.3%
-13.3% YoY
|
-1.3 |
1.5%
-2.0% YoY
|
0.9%
-6.6% YoY
|
1.2%
-0.9% YoY
|
30% |
| Loan To Share |
54.1%
-0.4% YoY+0.7% QoQ
|
-7.1% |
61.2%
-3.0% YoY
|
76.2%
+0.8% YoY
|
68.0%
-1.7% YoY
|
38% |
| AMR |
$31,900
-3.8% YoY-1.7% QoQ
|
+$17K |
$14,627
-2.7% YoY
|
$25,038
+0.5% YoY
|
$19,418
+1.3% YoY
|
Top 3.1% in tier |
| CD Concentration |
11.0%
+141.9% YoY+35.5% QoQ
|
-13.4% |
24.4%
+4.2% YoY
|
16.6%
+1.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
13.9%
-0.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)