BlastPoint's Credit Union Scorecard

FORT SILL

Charter #10832 · OK

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

FORT SILL has 4 strengths but faces 11 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

+ ROA 0.01% above tier average
+ Net Interest Margin 0.71% above tier average
+ Share Certificate Concentration (%): Top 6.5% in tier
+ First Mortgage Concentration (%): Top 8.5% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 9.3% in tier
- Stagnation Risk: Bottom 10.8% in tier
- Institutional Decline: Bottom 22.2% in tier
- Membership Headwinds: Bottom 50.5% in tier
- Credit Quality Pressure: Bottom 67.2% in tier
- Delinquency rate 1.36% above tier average
- Member decline: -2.7% YoY
- Net Charge-Off Rate: Bottom 1.5% in tier
- Indirect Auto Concentration (%): Bottom 2.2% in tier
- Loan Growth Rate: Bottom 5.0% in tier
- Total Delinquency Rate (60+ days): Bottom 5.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Members	22,884 -2.7% YoY-1.0% QoQ	+7.4K	15,437 -2.9% YoY	27,482 +2.5% YoY	33,374 +5.7% YoY	83%
Assets	$386.2M +4.1% YoY+0.4% QoQ	+$154.3M	$231.9M +1.3% YoY	$405.9M +5.4% YoY	$561.6M +9.7% YoY	Top 13.2% in tier
Loans	$172.0M -8.3% YoY-0.7% QoQ	+$24.7M	$147.3M -0.1% YoY	$252.1M +2.0% YoY	$397.0M +8.8% YoY	68%
Deposits	$345.2M +2.6% YoY+0.1% QoQ	+$144.4M	$200.8M +0.8% YoY	$340.9M +4.8% YoY	$477.3M +9.7% YoY	Top 11.3% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.8% +5173.9% YoY-3.3% QoQ	+0.0%	0.8% +18.2% YoY	0.5% +4.6% YoY	0.7% +15.9% YoY	52%
NIM	4.3% +1.6% YoY+0.7% QoQ	+0.7%	3.6% +6.7% YoY	3.9% +3.6% YoY	3.8% +5.1% YoY	Top 14.2% in tier
Efficiency Ratio	68.9% -1.2% YoY+0.7% QoQ	-8.1%	77.0% -3.1% YoY	81.1% +0.6% YoY	79.7% -3.3% YoY	23%
Delinquency Rate	2.3% +5.5% YoY+14.9% QoQ	+1.4	0.9% +4.2% YoY	1.2% +8.0% YoY	1.3% -2.1% YoY	Top 5.6% in tier
Loan To Share	49.8% -10.6% YoY-0.9% QoQ	-22.4%	72.2% -1.1% YoY	70.1% -2.3% YoY	67.4% -1.7% YoY	Bottom 10.6% in tier
AMR	$22,605 +1.4% YoY+0.8% QoQ	$-2K	$24,676 +3.4% YoY	$18,047 +3.6% YoY	$19,687 +2.0% YoY	50%
CD Concentration	7.3% +13.5% YoY+4.4% QoQ	-17.1%	24.4%	23.0%	19.8%	50%
Indirect Auto %	58.3% -7.7% YoY-2.6% QoQ	+44.6%	13.8%	14.8%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Indirect Auto Dependency

risk

#48 of 506 • Bottom 9.3% in tier

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

Why This Signature

Asset Growth (YoY): 4.07%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 58.35%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -2.67%

(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

#61 of 554 • Bottom 10.8% 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): -2.67%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -8.33%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 2.26%

(Tier: 0.89%, National: 1.28%)

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

#54 of 240 • Bottom 22.2% in tier

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

Why This Signature

Total Assets: $386.17M

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

but better than tier avg

Member Growth (YoY): -2.67%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -8.33%

(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

Membership Headwinds

decline

#280 of 554 • Bottom 50.5% in tier

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

Why This Signature

Member Growth (YoY): -2.67%

(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

Credit Quality Pressure

risk

#474 of 705 • Bottom 67.2% in tier

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

Why This Signature

Delinquency Change (YoY): 0.12% 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 | 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 1069 peers in tier

Top Strengths (8 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 7.29%

Peer Median: -

#71 of 1069 Top 6.5% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 7.11%

Peer Median: -

#92 of 1069 Top 8.5% in 100M-500M tier

121

Total Deposits

balance_sheet

Value: $345.25M

Peer Median: -

#121 of 1069 Top 11.2% in 100M-500M tier

141

Total Assets

balance_sheet

Value: $386.17M

Peer Median: -

#141 of 1069 Top 13.1% in 100M-500M tier

152

Net Interest Margin (NIM)

profitability

Value: 4.31%

Peer Median: -

#152 of 1069 Top 14.1% in 100M-500M tier

177

Total Members

engagement

Value: 22,884

Peer Median: -

#177 of 1069 Top 16.5% in 100M-500M tier

206

Fee Income Per Member

profitability

Value: $230.79

Peer Median: -

#206 of 1069 Top 19.2% in 100M-500M tier

248

Efficiency Ratio

profitability

Value: 68.90%

Peer Median: -

#248 of 1069 Top 23.1% in 100M-500M tier

Top Weaknesses (6 metrics)

1054

Net Charge-Off Rate

risk

Value: 2.10%

Peer Median: -

#1054 of 1069 Bottom 1.5% in 100M-500M tier

1046

Indirect Auto Concentration (%)

balance_sheet

Value: 58.35%

Peer Median: -

#1046 of 1069 Bottom 2.2% in 100M-500M tier

1017

Loan Growth Rate

growth

Value: -8.33%

Peer Median: -

#1017 of 1069 Bottom 5.0% in 100M-500M tier

1010

Total Delinquency Rate (60+ days)

risk

Value: 2.26%

Peer Median: -

#1010 of 1069 Bottom 5.6% in 100M-500M tier

956

Loan-to-Share Ratio

balance_sheet

Value: 49.83%

Peer Median: -

#956 of 1069 Bottom 10.7% in 100M-500M tier

840

Member Growth Rate

growth

Value: -2.67%

Peer Median: -

#840 of 1069 Bottom 21.5% in 100M-500M tier