BlastPoint's Credit Union Scorecard

THE FOCUS

Charter #10283 · OK

1069 CUs in 100M-500M nationally 17 in OK

THE FOCUS has 1 strength but faces 15 concerns

National Analysis

How does the industry compare?

OK Analysis

How does OK stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.33% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 13.2% in tier
- Deposit Outflow: Bottom 19.1% in tier
- Shrinking Wallet Share: Bottom 33.8% in tier
- Accelerating Exit Risk: Bottom 41.8% in tier
- Credit Quality Pressure: Bottom 45.5% in tier
- Indirect Auto Dependency: Bottom 68.7% in tier
- Stagnation Risk: Bottom 80.1% in tier
- Capital Constraint: Bottom 86.4% in tier
- Membership Headwinds: Bottom 89.0% in tier
- Institutional Decline: Bottom 95.4% in tier
- ROA 0.61% below tier average
- Efficiency ratio 9.05% above tier (higher cost structure)
- Deposit Growth Rate: Bottom 1.7% in tier
- Asset Growth Rate: Bottom 1.8% in tier
- AMR Growth Rate: Bottom 5.5% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Members	12,404 -0.9% YoY-0.9% QoQ	-3.0K	15,437 -2.9% YoY	27,482 +2.5% YoY	33,374 +5.7% YoY	45%
Assets	$159.3M -6.3% YoY-4.5% QoQ	$-72.6M	$231.9M +1.3% YoY	$405.9M +5.4% YoY	$561.6M +9.7% YoY	34%
Loans	$122.6M -1.5% YoY-9.3% QoQ	$-24.7M	$147.3M -0.1% YoY	$252.1M +2.0% YoY	$397.0M +8.8% YoY	49%
Deposits	$144.1M -7.4% YoY+0.7% QoQ	$-56.7M	$200.8M +0.8% YoY	$340.9M +4.8% YoY	$477.3M +9.7% YoY	37%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.2% +72.4% YoY+189.7% QoQ	-0.6%	0.8% +18.2% YoY	0.5% +4.6% YoY	0.7% +15.9% YoY	Bottom 11.0% in tier
NIM	3.9% +15.0% YoY-0.8% QoQ	+0.3%	3.6% +6.7% YoY	3.9% +3.6% YoY	3.8% +5.1% YoY	69%
Efficiency Ratio	86.1% -2.0% YoY-1.7% QoQ	+9.1%	77.0% -3.1% YoY	81.1% +0.6% YoY	79.7% -3.3% YoY	81%
Delinquency Rate	0.5% +82.0% YoY+77.2% QoQ	-0.4	0.9% +4.2% YoY	1.2% +8.0% YoY	1.3% -2.1% YoY	34%
Loan To Share	85.1% +6.5% YoY-9.9% QoQ	+12.9%	72.2% -1.1% YoY	70.1% -2.3% YoY	67.4% -1.7% YoY	75%
AMR	$21,505 -3.9% YoY-3.3% QoQ	$-3K	$24,676 +3.4% YoY	$18,047 +3.6% YoY	$19,687 +2.0% YoY	44%
CD Concentration	23.8% -19.5% YoY-2.7% QoQ	-0.6%	24.4%	23.0%	19.8%	50%
Indirect Auto %	36.8% -3.8% YoY-15.0% QoQ	+23.0%	13.8%	14.8%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (10)

Efficiency Drag

risk

#72 of 538 • Bottom 13.2% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 86.07%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.06% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -0.93%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Deposit Outflow

decline

#14 of 69 • Bottom 19.1% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -7.44%

(Tier: 5.05%, National: 13.79%)

worse than tier avg

Member Growth (YoY): -0.93%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

69 of 1069 Mid-Small & Community CUs have this signature | 91 nationally

→ No prior data (69 CUs now) | New qualifier

Shrinking Wallet Share

decline

#71 of 208 • Bottom 33.8% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -3.89%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | Rank improving

Accelerating Exit Risk

decline

#24 of 56 • Bottom 41.8% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -0.93%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

AMR Growth (YoY): -3.89%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

56 of 1069 Mid-Small & Community CUs have this signature | 69 nationally

→ No prior data (56 CUs now) | New qualifier

Credit Quality Pressure

risk

#321 of 705 • Bottom 45.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.23% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#348 of 506 • Bottom 68.7% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -6.27%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 36.81%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -0.93%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank worsening

Stagnation Risk

risk

#444 of 554 • Bottom 80.1% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.93%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -1.45%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.51%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Capital Constraint

risk

#20 of 23 • Bottom 86.4% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature

Loan-to-Share Ratio: 85.09%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Deposit Growth (YoY): -7.44%

(Tier: 5.05%, National: 13.79%)

worse than tier avg

Net Worth Ratio: 9.18%

(Tier: 11.97%, National: 14.49%)

worse than tier avg

23 of 1069 Mid-Small & Community CUs have this signature | 32 nationally

→ No prior data (23 CUs now) | New qualifier

Membership Headwinds

decline

#493 of 554 • Bottom 89.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.93%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Institutional Decline

decline

#229 of 240 • Bottom 95.4% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $159.27M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -0.93%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -1.45%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (1 metrics)

266

Loan-to-Share Ratio

balance_sheet

Value: 85.09%

Peer Median: -

#266 of 1069 Top 24.8% in 100M-500M tier

Top Weaknesses (8 metrics)

1052

Deposit Growth Rate

growth

Value: -7.44%

Peer Median: -

#1052 of 1069 Bottom 1.7% in 100M-500M tier

1051

Asset Growth Rate

growth

Value: -6.27%

Peer Median: -

#1051 of 1069 Bottom 1.8% in 100M-500M tier

1011

AMR Growth Rate

growth

Value: -3.89%

Peer Median: -

#1011 of 1069 Bottom 5.5% in 100M-500M tier

963

Indirect Auto Concentration (%)

balance_sheet

Value: 36.81%

Peer Median: -

#963 of 1069 Bottom 10.0% in 100M-500M tier

951

Return on Assets (ROA)

profitability

Value: 0.15%

Peer Median: -

#951 of 1069 Bottom 11.1% in 100M-500M tier

895

Net Worth Ratio

risk

Value: 9.18%

Peer Median: -

#895 of 1069 Bottom 16.4% in 100M-500M tier

863

Efficiency Ratio

profitability

Value: 86.07%

Peer Median: -

#863 of 1069 Bottom 19.4% in 100M-500M tier

854

Members Per Employee (MPE)

engagement

Value: 253.143

Peer Median: -

#854 of 1069 Bottom 20.2% in 100M-500M tier