BlastPoint's Credit Union Scorecard
EMERALD EMPIRE
Charter #9877 · OR
EMERALD EMPIRE has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Share Ratio: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.24% below tier average
- - Efficiency ratio 11.49% above tier (higher cost structure)
- - Net Charge-Off Rate: Bottom 8.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,538
+0.4% YoY-0.2% QoQ
|
-138 |
2,676
+1.6% YoY
|
51,194
+9.2% YoY
|
33,913
+5.7% YoY
|
61% |
| Assets |
$28.9M
+5.0% YoY+4.4% QoQ
|
$-1.3M |
$30.2M
+1.3% YoY
|
$843.4M
+7.6% YoY
|
$578.3M
+9.0% YoY
|
58% |
| Loans |
$20.7M
-0.9% YoY+3.6% QoQ
|
+$5.4M |
$15.3M
-2.0% YoY
|
$578.4M
+10.5% YoY
|
$402.4M
+8.7% YoY
|
72% |
| Deposits |
$22.9M
+6.0% YoY+5.7% QoQ
|
$-2.9M |
$25.8M
+0.7% YoY
|
$722.8M
+7.3% YoY
|
$494.3M
+9.1% YoY
|
56% |
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| ROA |
-0.1%
-111.3% YoY-115.0% QoQ
|
-0.2% |
0.1%
-77.6% YoY
|
0.7%
-4.2% YoY
|
0.4%
-39.2% YoY
|
19% |
| NIM |
4.0%
-18.1% YoY-13.9% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
4.0%
+4.4% YoY
|
3.8%
+4.1% YoY
|
57% |
| Efficiency Ratio |
102.1%
+22.8% YoY+15.3% QoQ
|
+11.5% |
90.6%
+6.5% YoY
|
77.9%
+0.7% YoY
|
84.6%
+2.8% YoY
|
Bottom 13.9% in tier |
| Delinquency Rate |
0.6%
+581.4% YoY+68.2% QoQ
|
-1.0 |
1.5%
+3.8% YoY
|
1.1%
+40.5% YoY
|
1.2%
+3.4% YoY
|
46% |
| Loan To Share |
90.6%
-6.5% YoY-2.0% QoQ
|
+32.1% |
58.5%
-3.0% YoY
|
75.8%
+1.2% YoY
|
65.6%
-1.4% YoY
|
Top 7.9% in tier |
| AMR |
$17,159
+2.2% YoY+4.9% QoQ
|
+$2K |
$14,884
-1.7% YoY
|
$25,270
+0.9% YoY
|
$19,920
+1.6% YoY
|
66% |
| CD Concentration |
20.0%
+39.6% YoY+19.0% QoQ
|
-4.3% | 24.3% | 16.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 13.7% | 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)