BlastPoint's Credit Union Scorecard

THE FOCUS

Charter #10283 · OK

1077 CUs in 100M-500M nationally 17 in OK

THE FOCUS has 3 strengths but faces 13 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

+ Credit Quality Leader: Top 67.3% in tier
+ Net Interest Margin 0.38% above tier average
+ Loan-to-Share Ratio: Top 8.4% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 0.8% in tier
- Liquidity Strain: Bottom 14.9% in tier
- Indirect Auto Dependency: Bottom 16.0% in tier
- Credit Risk Growth: Bottom 21.2% in tier
- Credit Quality Pressure: Bottom 24.1% in tier
- Membership Headwinds: Bottom 31.7% in tier
- Deposit Outflow: Bottom 32.5% in tier
- Stagnation Risk: Bottom 32.9% in tier
- ROA 0.73% below tier average
- Efficiency ratio 10.27% above tier (higher cost structure)
- Deposit Growth Rate: Bottom 2.2% in tier
- Indirect Auto Concentration (%): Bottom 6.9% in tier
- Net Worth Ratio: Bottom 9.7% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Members	12,515 -0.7% YoY+0.3% QoQ	-3.1K	15,628 -3.4% YoY	27,533 +2.7% YoY	33,089 +6.1% YoY	45%
Assets	$166.8M -0.7% YoY+2.4% QoQ	$-64.5M	$231.3M -0.0% YoY	$405.5M +5.4% YoY	$547.7M +7.8% YoY	38%
Loans	$135.2M +7.2% YoY+4.0% QoQ	$-12.6M	$147.8M -1.4% YoY	$252.8M +1.3% YoY	$388.7M +8.6% YoY	55%
Deposits	$143.2M -6.9% YoY-1.7% QoQ	$-57.1M	$200.3M -0.0% YoY	$336.4M +4.6% YoY	$464.6M +9.3% 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	0.1% -17.4% YoY-42.0% QoQ	-0.7%	0.8% +15.5% YoY	0.6% +31.7% YoY	0.7% +273.4% YoY	Bottom 8.3% in tier
NIM	4.0% +17.6% YoY-0.4% QoQ	+0.4%	3.6% +6.9% YoY	3.9% +3.8% YoY	3.7% +5.0% YoY	71%
Efficiency Ratio	87.6% -2.3% YoY-1.9% QoQ	+10.3%	77.3% -3.0% YoY	79.2% -1.1% YoY	79.1% -3.3% YoY	84%
Delinquency Rate	0.3% +21.7% YoY+1.9% QoQ	-0.6	0.9% +7.6% YoY	1.1% -4.2% YoY	1.2% -0.9% YoY	18%
Loan To Share	94.4% +15.1% YoY+5.8% QoQ	+21.7%	72.7% -1.5% YoY	71.1% -2.1% YoY	68.0% -1.7% YoY	Top 8.4% in tier
AMR	$22,241 +0.1% YoY+0.7% QoQ	$-2K	$24,363 +2.9% YoY	$17,893 +3.6% YoY	$19,418 +1.3% YoY	49%
CD Concentration	24.5% -19.8% YoY+9.3% QoQ	+0.1%	24.4% +4.2% YoY	23.2% +1.7% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	43.3% +14.0% YoY+5.2% QoQ	+29.4%	14.0% -5.7% YoY	15.2% -17.2% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Credit Quality Leader

growth

#229 of 340 • Top 67.3% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.29%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.05% points

(Tier: 0.04% points, National: 0.07% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Concerns (8)

Efficiency Drag

risk

#16 of 521 • Bottom 0.8% in tier

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

Why This Signature

Efficiency Ratio: 87.55%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.01% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -0.68%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

Liquidity Strain

risk

#116 of 258 • Bottom 14.9% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 94.43%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 7.18%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#258 of 525 • Bottom 16.0% in tier

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

Why This Signature

Asset Growth (YoY): -0.72%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 43.33%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -0.68%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

Credit Risk Growth

risk

#319 of 446 • Bottom 21.2% in tier

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

Why This Signature

Loan Growth (YoY): 7.18%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.05% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Credit Quality Pressure

risk

#598 of 736 • Bottom 24.1% in tier

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

Why This Signature

Delinquency Change (YoY): 0.05% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Membership Headwinds

decline

#523 of 550 • Bottom 31.7% in tier

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

Why This Signature

Member Growth (YoY): -0.68%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Deposit Outflow

decline

#27 of 81 • Bottom 32.5% 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): -6.89%

(Tier: 4.79%, National: 12.00%)

worse than tier avg

Member Growth (YoY): -0.68%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

81 of 1077 Community CUs have this signature | 109 nationally

↓ Shrinking -144 CUs YoY | New qualifier

Stagnation Risk

risk

#542 of 550 • Bottom 32.9% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.68%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 7.18%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Rate: 0.29%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | 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 1077 peers in tier

Top Strengths (2 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 94.43%

Peer Avg: -

#91 of 1077 Top 8.4% in 100M-500M tier

192

Total Delinquency Rate (60+ days)

risk

Value: 0.29%

Peer Avg: -

#192 of 1077 Top 17.7% in 100M-500M tier

Top Weaknesses (8 metrics)

1054

Deposit Growth Rate

growth

Value: -6.89%

Peer Avg: -

#1054 of 1077 Bottom 2.2% in 100M-500M tier

1004

Indirect Auto Concentration (%)

balance_sheet

Value: 43.33%

Peer Avg: -

#1004 of 1077 Bottom 6.9% in 100M-500M tier

988

Return on Assets (ROA)

profitability

Value: 0.05%

Peer Avg: -

#988 of 1077 Bottom 8.4% in 100M-500M tier

974

Net Worth Ratio

risk

Value: 8.72%

Peer Avg: -

#974 of 1077 Bottom 9.7% in 100M-500M tier

917

Asset Growth Rate

growth

Value: -0.72%

Peer Avg: -

#917 of 1077 Bottom 14.9% in 100M-500M tier

909

Efficiency Ratio

profitability

Value: 87.55%

Peer Avg: -

#909 of 1077 Bottom 15.7% in 100M-500M tier

861

Members Per Employee (MPE)

engagement

Value: 255.408

Peer Avg: -

#861 of 1077 Bottom 20.1% in 100M-500M tier

835

AMR Growth Rate

growth

Value: 0.13%

Peer Avg: -

#835 of 1077 Bottom 22.6% in 100M-500M tier