BlastPoint's Credit Union Scorecard
FIRST FAMILY
Charter #11057 · OK
FIRST FAMILY has 7 strengths but faces 4 concerns
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
- + Emerging Performer: Top 50.0% in tier
- + Net Interest Margin 0.67% above tier average
- + Strong member growth: 5.3% YoY
- + First Mortgage Concentration (%): Top 2.8% in tier
- + Member Growth Rate: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.34% below tier average
- - Efficiency ratio 7.97% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 3.5% 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 +6.2% year over year ($135M in shares and deposits).
- Membership: 19,340 members, +5.3% vs a year ago.
- Delinquency rate 0.62%.
- Return on assets 0.52%.
- Efficiency ratio 84.71% vs a 76.73% peer average.
- Loan-to-share ratio 83.93% 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 |
19,340
+5.3% YoY+1.4% QoQ
|
+4.2K |
15,168
-2.6% YoY
|
28,343
+3.0% YoY
|
34,678
+6.6% YoY
|
76% |
| Assets |
$154.4M
+6.2% YoY+2.2% QoQ
|
$-77.6M |
$232.0M
+0.7% YoY
|
$422.2M
+5.5% YoY
|
$593.1M
+10.2% YoY
|
33% |
| Loans |
$113.7M
+5.1% YoY+4.8% QoQ
|
$-32.6M |
$146.3M
+0.2% YoY
|
$261.4M
+3.6% YoY
|
$418.6M
+10.1% YoY
|
44% |
| Deposits |
$135.5M
+6.2% YoY+2.0% QoQ
|
$-65.3M |
$200.7M
+0.2% YoY
|
$356.1M
+5.9% YoY
|
$504.8M
+10.3% YoY
|
33% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.5%
+27.3% YoY+123.6% QoQ
|
-0.3% |
0.9%
+12.5% YoY
|
0.8%
+38.1% YoY
|
1.2%
+121.4% YoY
|
30% |
| NIM |
4.4%
+3.9% YoY+2.1% QoQ
|
+0.7% |
3.7%
+4.5% YoY
|
4.0%
+2.7% YoY
|
3.8%
+2.3% YoY
|
Top 14.2% in tier |
| Efficiency Ratio |
84.7%
+1.4% YoY-4.3% QoQ
|
+8.0% |
76.7%
-0.8% YoY
|
80.0%
+0.4% YoY
|
83.0%
-5.3% YoY
|
75% |
| Delinquency Rate |
0.6%
-52.7% YoY-30.1% QoQ
|
-0.3 |
0.9%
+6.6% YoY
|
0.9%
-29.0% YoY
|
1.3%
+2.6% YoY
|
45% |
| Loan To Share |
83.9%
-1.0% YoY+2.7% QoQ
|
+12.4% |
71.5%
-0.3% YoY
|
69.7%
-2.0% YoY
|
66.4%
-1.4% YoY
|
74% |
| AMR |
$12,883
+0.3% YoY+1.9% QoQ
|
$-12K |
$25,107
+3.2% YoY
|
$18,336
+3.3% YoY
|
$20,028
-0.9% YoY
|
Bottom 3.4% in tier |
| CD Concentration |
35.2%
+3.6% YoY+2.1% QoQ
|
+10.6% | 24.6% | 22.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 14.2% | 7.7% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)