BlastPoint's Credit Union Scorecard
EMERALD EMPIRE
Charter #9877 · OR
EMERALD EMPIRE has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.00% above tier average
- + Net Interest Margin 0.66% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 6.01% 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 |
2,544
+0.8% YoY+0.6% QoQ
|
-71 |
2,615
-1.9% YoY
|
49,474
+8.2% YoY
|
33,374
+5.7% YoY
|
61% |
| Assets |
$27.7M
-2.6% YoY-2.4% QoQ
|
$-2.5M |
$30.1M
+2.1% YoY
|
$800.8M
+6.1% YoY
|
$561.6M
+9.7% YoY
|
57% |
| Loans |
$20.0M
-1.3% YoY-2.1% QoQ
|
+$4.2M |
$15.8M
-1.3% YoY
|
$554.3M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
70% |
| Deposits |
$21.6M
-4.1% YoY-3.0% QoQ
|
$-4.1M |
$25.7M
+1.4% YoY
|
$686.9M
+6.2% YoY
|
$477.3M
+9.7% YoY
|
54% |
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| ROA |
0.6%
-40.7% YoY-18.1% QoQ
|
+0.0% |
0.6%
+10.8% YoY
|
0.6%
+1.0% YoY
|
0.7%
+15.9% YoY
|
47% |
| NIM |
4.6%
-8.8% YoY+0.2% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.9%
+7.3% YoY
|
3.8%
+5.1% YoY
|
76% |
| Efficiency Ratio |
88.6%
+10.1% YoY+2.9% QoQ
|
+6.0% |
82.6%
-2.3% YoY
|
79.6%
-0.7% YoY
|
79.7%
-3.3% YoY
|
72% |
| Delinquency Rate |
0.3%
-39.4% YoY-17.8% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
1.1%
+23.3% YoY
|
1.3%
-2.1% YoY
|
33% |
| Loan To Share |
92.4%
+2.9% YoY+0.9% QoQ
|
+31.8% |
60.6%
-3.1% YoY
|
76.3%
+0.6% YoY
|
67.4%
-1.7% YoY
|
Top 8.2% in tier |
| AMR |
$16,354
-3.5% YoY-3.2% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$24,960
+0.4% YoY
|
$19,687
+2.0% YoY
|
63% |
| CD Concentration |
16.8%
+102.0% YoY+26.2% QoQ
|
-7.7% | 24.4% | 16.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 13.7% | 7.8% | 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)