BlastPoint's Credit Union Scorecard
EMERALD EMPIRE
Charter #9877 · OR
EMERALD EMPIRE has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.17% above tier average
- + Loan-to-Share Ratio: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.42% below tier average
- - Efficiency ratio 7.90% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 18 that size in Oregon.
- Shares and deposits +2.0% year over year ($22.8M in shares and deposits).
- Membership: 2,547 members, +1.0% vs a year ago.
- Delinquency rate 0.64%.
- Return on assets 0.08%.
- Efficiency ratio 96.66% vs a 88.77% peer average.
- Loan-to-share ratio 91.99% vs a 58.89% 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 |
2,547
+1.0% YoY+0.4% QoQ
|
-38 |
2,585
-1.7% YoY
|
51,821
+9.3% YoY
|
34,678
+6.6% YoY
|
61% |
| Assets |
$28.8M
+1.7% YoY-0.2% QoQ
|
$-1.5M |
$30.3M
+1.5% YoY
|
$850.7M
+8.9% YoY
|
$593.1M
+10.2% YoY
|
58% |
| Loans |
$21.0M
+0.9% YoY+1.3% QoQ
|
+$5.5M |
$15.5M
-1.7% YoY
|
$590.7M
+10.5% YoY
|
$418.6M
+10.1% YoY
|
72% |
| Deposits |
$22.8M
+2.0% YoY-0.3% QoQ
|
$-3.0M |
$25.8M
+1.1% YoY
|
$725.1M
+8.5% YoY
|
$504.8M
+10.3% YoY
|
56% |
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| ROA |
0.1%
-89.3% YoY-180.3% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
0.8%
+19.1% YoY
|
1.2%
+121.4% YoY
|
Bottom 5.2% in tier |
| NIM |
4.1%
-14.4% YoY+2.4% QoQ
|
+0.2% |
3.9%
+0.9% YoY
|
4.0%
+5.3% YoY
|
3.8%
+2.3% YoY
|
60% |
| Efficiency Ratio |
96.7%
+12.7% YoY-5.4% QoQ
|
+7.9% |
88.8%
-6.9% YoY
|
78.0%
+0.7% YoY
|
83.0%
-5.3% YoY
|
83% |
| Delinquency Rate |
0.6%
+422.8% YoY+16.4% QoQ
|
-0.9 |
1.5%
+2.1% YoY
|
1.1%
+29.8% YoY
|
1.3%
+2.6% YoY
|
48% |
| Loan To Share |
92.0%
-1.0% YoY+1.6% QoQ
|
+33.1% |
58.9%
-3.1% YoY
|
76.6%
+0.5% YoY
|
66.4%
-1.4% YoY
|
Top 7.2% in tier |
| AMR |
$17,176
+0.5% YoY+0.1% QoQ
|
+$2K |
$14,963
-6.8% YoY
|
$25,405
+1.6% YoY
|
$20,028
-0.9% YoY
|
66% |
| CD Concentration |
23.4%
+96.4% YoY+17.3% QoQ
|
-1.1% | 24.6% | 16.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 13.6% | 7.7% | 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)