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 0.08% above tier average
- + Net Interest Margin 0.67% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 4.64% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,528
-0.0% YoY+0.2% QoQ
|
-97 |
2,625
-2.2% YoY
|
48,799
+9.4% YoY
|
33,089
+6.1% YoY
|
60% |
| Assets |
$28.3M
+6.1% YoY+0.0% QoQ
|
$-1.5M |
$29.9M
+1.1% YoY
|
$801.2M
+7.5% YoY
|
$547.7M
+7.8% YoY
|
58% |
| Loans |
$20.4M
-3.4% YoY-1.7% QoQ
|
+$4.6M |
$15.8M
-2.4% YoY
|
$546.0M
+10.9% YoY
|
$388.7M
+8.6% YoY
|
70% |
| Deposits |
$22.3M
+6.7% YoY-0.2% QoQ
|
$-3.2M |
$25.5M
+0.4% YoY
|
$683.7M
+7.5% YoY
|
$464.6M
+9.3% YoY
|
56% |
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| ROA |
0.8%
-33.6% YoY+8.7% QoQ
|
+0.1% |
0.7%
-731.4% YoY
|
0.7%
+15.2% YoY
|
0.7%
+273.4% YoY
|
50% |
| NIM |
4.6%
-13.0% YoY-3.1% QoQ
|
+0.7% |
3.9%
+3.8% YoY
|
3.9%
+7.2% YoY
|
3.7%
+5.0% YoY
|
76% |
| Efficiency Ratio |
86.0%
+8.1% YoY+0.3% QoQ
|
+4.6% |
81.4%
-2.4% YoY
|
76.2%
-3.6% YoY
|
79.1%
-3.3% YoY
|
69% |
| Delinquency Rate |
0.4%
-21.7% YoY+224.7% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
0.9%
-6.6% YoY
|
1.2%
-0.9% YoY
|
37% |
| Loan To Share |
91.5%
-9.5% YoY-1.5% QoQ
|
+30.3% |
61.2%
-3.0% YoY
|
76.2%
+0.8% YoY
|
68.0%
-1.7% YoY
|
Top 9.7% in tier |
| AMR |
$16,893
+1.7% YoY-1.2% QoQ
|
+$2K |
$14,627
-2.7% YoY
|
$25,038
+0.5% YoY
|
$19,418
+1.3% YoY
|
67% |
| CD Concentration |
13.3%
+61.2% YoY+11.4% QoQ
|
-11.1% |
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)