BlastPoint's Credit Union Scorecard

FIRST FAMILY

Charter #11057 · OK

100M-500M

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

FIRST FAMILY has 4 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

+ Organic Growth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Net Interest Margin 0.64% above tier average
+ First Mortgage Concentration (%): Top 3.0% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- ROA 0.49% below tier average
- Efficiency ratio 10.50% above tier (higher cost structure)
- Delinquency rate 0.12% above tier average
- Average Member Relationship (AMR): Bottom 3.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Members	19,075 +4.9% YoY+1.9% QoQ	+3.9K	15,145 -2.5% YoY	27,625 +2.9% YoY	33,913 +5.7% YoY	74%
Assets	$151.0M +5.3% YoY+2.6% QoQ	$-80.7M	$231.7M +0.8% YoY	$413.6M +5.6% YoY	$578.3M +9.0% YoY	31%
Loans	$108.5M +1.7% YoY-2.2% QoQ	$-35.7M	$144.1M +0.2% YoY	$253.0M +3.1% YoY	$402.4M +8.7% YoY	42%
Deposits	$132.8M +5.1% YoY+3.3% QoQ	$-68.4M	$201.1M +0.4% YoY	$348.7M +5.1% YoY	$494.3M +9.1% YoY	32%

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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	0.2% -249.6% YoY-69.8% QoQ	-0.5%	0.7% +5.1% YoY	0.3% +194.5% YoY	0.4% -39.2% YoY	18%
NIM	4.3% +2.8% YoY-0.1% QoQ	+0.6%	3.6% +4.6% YoY	3.9% +1.6% YoY	3.8% +4.1% YoY	85%
Efficiency Ratio	88.5% +4.9% YoY+9.1% QoQ	+10.5%	78.0% -1.7% YoY	85.0% -0.4% YoY	84.6% +2.8% YoY	81%
Delinquency Rate	0.9% +0.3% YoY-17.6% QoQ	+0.1	0.8% +7.1% YoY	1.0% -16.7% YoY	1.2% +3.4% YoY	70%
Loan To Share	81.7% -3.2% YoY-5.4% QoQ	+11.3%	70.4% -0.4% YoY	68.5% -1.8% YoY	65.6% -1.4% YoY	72%
AMR	$12,647 -1.3% YoY-1.1% QoQ	$-12K	$24,918 +2.7% YoY	$18,267 +3.9% YoY	$19,920 +1.6% YoY	Bottom 3.2% in tier
CD Concentration	34.4% +3.9% YoY-0.1% QoQ	+10.2%	24.3%	22.8%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	14.5%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#84 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 4.90%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#208 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.90%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.23%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Concerns (4)

Efficiency Drag

risk

#439 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: 88.53%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.39% points

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

but better than tier avg

Member Growth (YoY): 4.90%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#190 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.29%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#721 of 727 • 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): 0.00% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Credit Risk Growth

risk

#473 of 476 • 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): 1.75%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.00% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | 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 (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 2.01%

Peer Median: 29.47%

#33 of 1070 Top 3.0% in 100M-500M tier

115

Member Growth Rate

growth

Value: 4.90%

Peer Median: -0.06%

#115 of 1070 Top 10.7% in 100M-500M tier

165

Net Interest Margin (NIM)

profitability

Value: 4.27%

Peer Median: 3.62%

#165 of 1070 Top 15.3% in 100M-500M tier

Top Weaknesses (6 metrics)

1036

Average Member Relationship (AMR)

engagement

Value: $12,647

Peer Median: $22,931

#1036 of 1070 Bottom 3.3% in 100M-500M tier

948

Loan-to-Member Ratio (LMR)

engagement

Value: $5,687

Peer Median: $9,356

#948 of 1070 Bottom 11.5% in 100M-500M tier

913

AMR Growth Rate

growth

Value: -1.29%

Peer Median: 3.46%

#913 of 1070 Bottom 14.8% in 100M-500M tier

896

Share Certificate Concentration (%)

balance_sheet

Value: 34.45%

Peer Median: 23.10%

#896 of 1070 Bottom 16.4% in 100M-500M tier

872

Return on Assets (ROA)

profitability

Value: 0.23%

Peer Median: 0.69%

#872 of 1070 Bottom 18.6% in 100M-500M tier

866

Efficiency Ratio

profitability

Value: 88.53%

Peer Median: 78.68%

#866 of 1070 Bottom 19.2% in 100M-500M tier