BlastPoint's Credit Union Scorecard

FORT SILL

Charter #10832 · OK

100M-500M

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

FORT SILL has 3 strengths 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 0.57% above tier average
+ Share Certificate Concentration (%): Top 6.7% in tier
+ Total Deposits: Top 9.8% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.72% below tier average
- Efficiency ratio 3.59% above tier (higher cost structure)
- Delinquency rate 0.91% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Members	22,910 -2.0% YoY+0.1% QoQ	+7.8K	15,145 -2.5% YoY	27,625 +2.9% YoY	33,913 +5.7% YoY	85%
Assets	$395.3M +2.5% YoY+2.4% QoQ	+$163.5M	$231.7M +0.8% YoY	$413.6M +5.6% YoY	$578.3M +9.0% YoY	Top 11.7% in tier
Loans	$170.8M -5.7% YoY-0.7% QoQ	+$26.6M	$144.1M +0.2% YoY	$253.0M +3.1% YoY	$402.4M +8.7% YoY	69%
Deposits	$354.3M +1.4% YoY+2.6% QoQ	+$153.2M	$201.1M +0.4% YoY	$348.7M +5.1% YoY	$494.3M +9.1% YoY	Top 9.9% in tier

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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% -97.3% YoY-98.8% QoQ	-0.7%	0.7% +5.1% YoY	0.3% +194.5% YoY	0.4% -39.2% YoY	Bottom 7.9% in tier
NIM	4.2% -0.8% YoY-2.6% QoQ	+0.6%	3.6% +4.6% YoY	3.9% +1.6% YoY	3.8% +4.1% YoY	82%
Efficiency Ratio	81.6% +13.5% YoY+18.4% QoQ	+3.6%	78.0% -1.7% YoY	85.0% -0.4% YoY	84.6% +2.8% YoY	61%
Delinquency Rate	1.7% -20.9% YoY-25.3% QoQ	+0.9	0.8% +7.1% YoY	1.0% -16.7% YoY	1.2% +3.4% YoY	Bottom 7.9% in tier
Loan To Share	48.2% -7.0% YoY-3.3% QoQ	-22.2%	70.4% -0.4% YoY	68.5% -1.8% YoY	65.6% -1.4% YoY	Bottom 10.2% in tier
AMR	$22,922 +1.0% YoY+1.4% QoQ	$-2K	$24,918 +2.7% YoY	$18,267 +3.9% YoY	$19,920 +1.6% YoY	50%
CD Concentration	7.4% +13.4% YoY+1.7% QoQ	-16.9%	24.3%	22.8%	19.8%	50%
Indirect Auto %	55.8% -7.0% YoY-4.3% QoQ	+42.0%	13.8%	14.5%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Indirect Auto Dependency

risk

#84 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): 2.47%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 55.84%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -1.97%

(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

#110 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): -1.97%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -5.70%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 1.69%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

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

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

Institutional Decline

decline

#82 of 250 • Bottom 50.0% in tier

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

Why This Signature

Total Assets: $395.26M

(Tier: $334.04M, National: $578.34M)

but better than tier avg

Member Growth (YoY): -1.97%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -5.70%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Membership Headwinds

decline

#356 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): -1.97%

(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

Efficiency Drag

risk

#484 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: 81.61%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.33% points

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

worse than tier avg

Member Growth (YoY): -1.97%

(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 | 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 (7 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 7.41%

Peer Median: 23.10%

#73 of 1070 Top 6.7% in 100M-500M tier

106

Total Deposits

balance_sheet

Value: $354.34M

Peer Median: $171.29M

#106 of 1070 Top 9.8% in 100M-500M tier

113

First Mortgage Concentration (%)

balance_sheet

Value: 8.40%

Peer Median: 29.47%

#113 of 1070 Top 10.5% in 100M-500M tier

125

Total Assets

balance_sheet

Value: $395.26M

Peer Median: $196.57M

#125 of 1070 Top 11.6% in 100M-500M tier

164

Total Members

engagement

Value: 22,910

Peer Median: 13,200

#164 of 1070 Top 15.2% in 100M-500M tier

188

Net Interest Margin (NIM)

profitability

Value: 4.20%

Peer Median: 3.62%

#188 of 1070 Top 17.5% in 100M-500M tier

223

Fee Income Per Member

profitability

Value: $212.80

Peer Median: $154.95

#223 of 1070 Top 20.7% in 100M-500M tier

Top Weaknesses (7 metrics)

1046

Net Charge-Off Rate

risk

Value: 1.92%

Peer Median: 0.35%

#1046 of 1070 Bottom 2.3% in 100M-500M tier

1041

Indirect Auto Concentration (%)

balance_sheet

Value: 55.84%

Peer Median: 6.61%

#1041 of 1070 Bottom 2.8% in 100M-500M tier

987

Total Delinquency Rate (60+ days)

risk

Value: 1.69%

Peer Median: 0.61%

#987 of 1070 Bottom 7.9% in 100M-500M tier

986

Return on Assets (ROA)

profitability

Value: 0.01%

Peer Median: 0.69%

#986 of 1070 Bottom 7.9% in 100M-500M tier

980

Loan Growth Rate

growth

Value: -5.70%

Peer Median: 2.93%

#980 of 1070 Bottom 8.5% in 100M-500M tier

961

Loan-to-Share Ratio

balance_sheet

Value: 48.20%

Peer Median: 71.88%

#961 of 1070 Bottom 10.3% in 100M-500M tier

830

Members Per Employee (MPE)

engagement

Value: 257.416

Peer Median: 309.176

#830 of 1070 Bottom 22.5% in 100M-500M tier