BlastPoint's Credit Union Scorecard

THE FOCUS

Charter #10283 · OK

100M-500M

1070 CUs in 100M-500M nationally 18 in OK

THE FOCUS has 1 strength but faces 8 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 0.32% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- ROA 0.66% below tier average
- Efficiency ratio 16.30% above tier (higher cost structure)
- Indirect Auto Concentration (%): Bottom 9.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Members	12,341 -0.9% YoY-0.5% QoQ	-2.8K	15,145 -2.5% YoY	27,625 +2.9% YoY	33,913 +5.7% YoY	46%
Assets	$162.1M -0.2% YoY+1.8% QoQ	$-69.6M	$231.7M +0.8% YoY	$413.6M +5.6% YoY	$578.3M +9.0% YoY	36%
Loans	$123.6M -0.0% YoY+0.8% QoQ	$-20.6M	$144.1M +0.2% YoY	$253.0M +3.1% YoY	$402.4M +8.7% YoY	51%
Deposits	$146.8M -0.9% YoY+1.8% QoQ	$-54.4M	$201.1M +0.4% YoY	$348.7M +5.1% YoY	$494.3M +9.1% YoY	40%

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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	0.1% +26.2% YoY-57.2% QoQ	-0.7%	0.7% +5.1% YoY	0.3% +194.5% YoY	0.4% -39.2% YoY	Bottom 10.4% in tier
NIM	4.0% +4.3% YoY+0.4% QoQ	+0.3%	3.6% +4.6% YoY	3.9% +1.6% YoY	3.8% +4.1% YoY	71%
Efficiency Ratio	94.3% +3.5% YoY+9.6% QoQ	+16.3%	78.0% -1.7% YoY	85.0% -0.4% YoY	84.6% +2.8% YoY	Bottom 6.7% in tier
Delinquency Rate	0.3% -6.6% YoY-34.0% QoQ	-0.4	0.8% +7.1% YoY	1.0% -16.7% YoY	1.2% +3.4% YoY	25%
Loan To Share	84.2% +0.9% YoY-1.0% QoQ	+13.8%	70.4% -0.4% YoY	68.5% -1.8% YoY	65.6% -1.4% YoY	78%
AMR	$21,908 +0.4% YoY+1.9% QoQ	$-3K	$24,918 +2.7% YoY	$18,267 +3.9% YoY	$19,920 +1.6% YoY	44%
CD Concentration	24.2% +3.2% YoY+1.8% QoQ	+0.0%	24.3%	22.8%	19.8%	50%
Indirect Auto %	37.3% -4.1% YoY+1.4% QoQ	+23.5%	13.8%	14.5%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Efficiency Drag

risk

#4 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 94.33%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.01% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -0.85%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#291 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): -0.22%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 37.33%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -0.85%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Stagnation Risk

risk

#488 of 570 • Bottom 50.0% 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): -0.85%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -0.02%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.34%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#520 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -0.85%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Deposit Outflow

decline

#72 of 72 • Bottom 50.0% 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): -0.89%

(Tier: 4.30%, National: 64.06%)

worse than tier avg

Member Growth (YoY): -0.85%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

72 of 1070 Mid-Small & Community CUs have this signature | 98 nationally

→ No prior data (72 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 1070 peers in tier

Top Strengths (1 metrics)

238

Loan-to-Share Ratio

balance_sheet

Value: 84.20%

Peer Median: 71.88%

#238 of 1070 Top 22.1% in 100M-500M tier

Top Weaknesses (8 metrics)

999

Efficiency Ratio

profitability

Value: 94.33%

Peer Median: 78.68%

#999 of 1070 Bottom 6.7% in 100M-500M tier

968

Indirect Auto Concentration (%)

balance_sheet

Value: 37.33%

Peer Median: 6.61%

#968 of 1070 Bottom 9.6% in 100M-500M tier

959

Return on Assets (ROA)

profitability

Value: 0.07%

Peer Median: 0.69%

#959 of 1070 Bottom 10.5% in 100M-500M tier

934

Members Per Employee (MPE)

engagement

Value: 232.849

Peer Median: 309.176

#934 of 1070 Bottom 12.8% in 100M-500M tier

916

Net Worth Ratio

risk

Value: 9.03%

Peer Median: 11.45%

#916 of 1070 Bottom 14.5% in 100M-500M tier

904

Deposit Growth Rate

growth

Value: -0.89%

Peer Median: 3.30%

#904 of 1070 Bottom 15.6% in 100M-500M tier

902

Asset Growth Rate

growth

Value: -0.22%

Peer Median: 3.91%

#902 of 1070 Bottom 15.8% in 100M-500M tier

821

AMR Growth Rate

growth

Value: 0.36%

Peer Median: 3.46%

#821 of 1070 Bottom 23.4% in 100M-500M tier