BlastPoint's Credit Union Scorecard

THE FOCUS

Charter #10283 · OK

100M-500M

1024 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 0.28% 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
- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- ROA 0.83% below tier average
- Efficiency ratio 16.56% above tier (higher cost structure)

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 18 that size in Oklahoma.
Shares and deposits +1.6% year over year ($148M in shares and deposits).
Membership: 12,390 members, -0.7% vs a year ago.
Delinquency rate 0.45%.
Return on assets 0.03%.
Efficiency ratio 93.29% vs a 76.73% peer average.
Loan-to-share ratio 88.87% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Members	12,390 -0.7% YoY+0.4% QoQ	-2.8K	15,168 -2.6% YoY	28,343 +3.0% YoY	34,678 +6.6% YoY	46%
Assets	$163.2M +0.2% YoY+0.7% QoQ	$-68.8M	$232.0M +0.7% YoY	$422.2M +5.5% YoY	$593.1M +10.2% YoY	36%
Loans	$131.4M +1.1% YoY+6.4% QoQ	$-14.8M	$146.3M +0.2% YoY	$261.4M +3.6% YoY	$418.6M +10.1% YoY	53%
Deposits	$147.9M +1.6% YoY+0.8% QoQ	$-52.8M	$200.7M +0.2% YoY	$356.1M +5.9% YoY	$504.8M +10.3% 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	0.0% -63.9% YoY-49.8% QoQ	-0.8%	0.9% +12.5% YoY	0.8% +38.1% YoY	1.2% +121.4% YoY	Bottom 1.1% in tier
NIM	4.0% -0.4% YoY+0.4% QoQ	+0.3%	3.7% +4.5% YoY	4.0% +2.7% YoY	3.8% +2.3% YoY	69%
Efficiency Ratio	93.3% +4.6% YoY-1.1% QoQ	+16.6%	76.7% -0.8% YoY	80.0% +0.4% YoY	83.0% -5.3% YoY	Bottom 6.2% in tier
Delinquency Rate	0.5% +59.7% YoY+34.0% QoQ	-0.4	0.9% +6.6% YoY	0.9% -29.0% YoY	1.3% +2.6% YoY	31%
Loan To Share	88.9% -0.5% YoY+5.5% QoQ	+17.3%	71.5% -0.3% YoY	69.7% -2.0% YoY	66.4% -1.4% YoY	83%
AMR	$22,547 +2.1% YoY+2.9% QoQ	$-3K	$25,107 +3.2% YoY	$18,336 +3.3% YoY	$20,028 -0.9% YoY	47%
CD Concentration	25.1% +12.4% YoY+3.7% QoQ	+0.6%	24.6%	22.8%	20.0%	50%
Indirect Auto %	38.1% -7.6% YoY+2.0% QoQ	+24.4%	13.6%	14.2%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Efficiency Drag

risk

#5 of 531 • 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: 93.29%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.06% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): -0.72%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#235 of 476 • 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): 0.19%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 38.06%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -0.72%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank improving

Credit Quality Pressure

risk

#375 of 693 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.17% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank improving

Credit Risk Growth

risk

#405 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 1.12%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.17% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY

Stagnation Risk

risk

#472 of 549 • 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): -0.72%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 1.12%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.45%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Membership Headwinds

decline

#505 of 549 • 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): -0.72%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

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 1024 peers in tier

Top Strengths (1 metrics)

172

Loan-to-Share Ratio

balance_sheet

Value: 88.87%

Peer Median: 73.07%

#172 of 1024 Top 16.7% in 100M-500M tier

Top Weaknesses (6 metrics)

1013

Return on Assets (ROA)

profitability

Value: 0.03%

Peer Median: 0.75%

#1013 of 1024 Bottom 1.2% in 100M-500M tier

962

Efficiency Ratio

profitability

Value: 93.29%

Peer Median: 77.26%

#962 of 1024 Bottom 6.2% in 100M-500M tier

936

Indirect Auto Concentration (%)

balance_sheet

Value: 38.06%

Peer Median: 6.15%

#936 of 1024 Bottom 8.7% in 100M-500M tier

910

Net Worth Ratio

risk

Value: 8.99%

Peer Median: 11.71%

#910 of 1024 Bottom 11.2% in 100M-500M tier

836

Asset Growth Rate

growth

Value: 0.19%

Peer Median: 4.12%

#836 of 1024 Bottom 18.5% in 100M-500M tier

825

Members Per Employee (MPE)

engagement

Value: 247.800

Peer Median: 310.924

#825 of 1024 Bottom 19.5% in 100M-500M tier