BlastPoint's Credit Union Scorecard
FORT SILL
Charter #10832 · OK
FORT SILL has 5 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.55% above tier average
- + Share Certificate Concentration (%): Top 6.8% in tier
- + First Mortgage Concentration (%): Top 9.0% in tier
- + Fee Income Per Member: Top 9.2% in tier
- + Total Deposits: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - ROA 0.05% below tier average
- - Delinquency rate 0.24% above tier average
- - Net Charge-Off Rate: Bottom 1.5% in tier
- - Indirect Auto Concentration (%): Bottom 8.9% in tier
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 +1.5% year over year ($352M in shares and deposits).
- Membership: 23,088 members, -0.6% vs a year ago.
- Delinquency rate 1.12%.
- Return on assets 0.81%.
- Efficiency ratio 72.31% vs a 76.73% peer average.
- Loan-to-share ratio 51.04% 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 |
23,088
-0.6% YoY+0.8% QoQ
|
+7.9K |
15,168
-2.6% YoY
|
28,343
+3.0% YoY
|
34,678
+6.6% YoY
|
84% |
| Assets |
$394.2M
+2.3% YoY-0.3% QoQ
|
+$162.2M |
$232.0M
+0.7% YoY
|
$422.2M
+5.5% YoY
|
$593.1M
+10.2% YoY
|
Top 12.0% in tier |
| Loans |
$179.7M
+1.4% YoY+5.2% QoQ
|
+$33.4M |
$146.3M
+0.2% YoY
|
$261.4M
+3.6% YoY
|
$418.6M
+10.1% YoY
|
70% |
| Deposits |
$352.1M
+1.5% YoY-0.6% QoQ
|
+$151.4M |
$200.7M
+0.2% YoY
|
$356.1M
+5.9% YoY
|
$504.8M
+10.3% YoY
|
Top 9.7% in tier |
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| ROA |
0.8%
+2.6% YoY
|
-0.1% |
0.9%
+12.5% YoY
|
0.8%
+38.1% YoY
|
1.2%
+121.4% YoY
|
53% |
| NIM |
4.2%
-0.1% YoY+0.7% QoQ
|
+0.5% |
3.7%
+4.5% YoY
|
4.0%
+2.7% YoY
|
3.8%
+2.3% YoY
|
82% |
| Efficiency Ratio |
72.3%
+6.2% YoY-11.4% QoQ
|
-4.4% |
76.7%
-0.8% YoY
|
80.0%
+0.4% YoY
|
83.0%
-5.3% YoY
|
33% |
| Delinquency Rate |
1.1%
-45.0% YoY-33.4% QoQ
|
+0.2 |
0.9%
+6.6% YoY
|
0.9%
-29.0% YoY
|
1.3%
+2.6% YoY
|
74% |
| Loan To Share |
51.0%
-0.1% YoY+5.9% QoQ
|
-20.5% |
71.5%
-0.3% YoY
|
69.7%
-2.0% YoY
|
66.4%
-1.4% YoY
|
Bottom 12.6% in tier |
| AMR |
$23,034
+2.1% YoY+0.5% QoQ
|
$-2K |
$25,107
+3.2% YoY
|
$18,336
+3.3% YoY
|
$20,028
-0.9% YoY
|
50% |
| CD Concentration |
7.5%
+11.0% YoY+1.6% QoQ
|
-17.0% | 24.6% | 22.8% | 20.0% | 50% |
| Indirect Auto % |
37.9%
-38.8% YoY-32.0% QoQ
|
+24.3% | 13.6% | 14.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)