BlastPoint's Credit Union Scorecard
SOUTHWEST OKLAHOMA
Charter #12271 · OK
SOUTHWEST OKLAHOMA has 7 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 1.11% above tier average
- + Net Interest Margin 1.13% above tier average
- + Net Worth Ratio: Top 4.4% in tier
- + Average Member Relationship (AMR): Top 9.5% in tier
- + Loan-to-Member Ratio (LMR): Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Total Members: Bottom 3.4% in tier
- - Total Deposits: Bottom 7.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,851
-1.9% YoY-0.7% QoQ
|
-10.3K |
15,145
-2.5% YoY
|
27,625
+2.9% YoY
|
33,913
+5.7% YoY
|
Bottom 3.3% in tier |
| Assets |
$117.3M
+2.8% YoY+0.9% QoQ
|
$-114.4M |
$231.7M
+0.8% YoY
|
$413.6M
+5.6% YoY
|
$578.3M
+9.0% YoY
|
Bottom 11.9% in tier |
| Loans |
$75.2M
+10.1% YoY+0.7% QoQ
|
$-68.9M |
$144.1M
+0.2% YoY
|
$253.0M
+3.1% YoY
|
$402.4M
+8.7% YoY
|
21% |
| Deposits |
$96.0M
+0.9% YoY+0.6% QoQ
|
$-105.1M |
$201.1M
+0.4% YoY
|
$348.7M
+5.1% YoY
|
$494.3M
+9.1% YoY
|
Bottom 7.8% in tier |
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| ROA |
1.8%
+10.3% YoY+0.5% QoQ
|
+1.1% |
0.7%
+5.1% YoY
|
0.3%
+194.5% YoY
|
0.4%
-39.2% YoY
|
Top 5.3% in tier |
| NIM |
4.8%
+4.7% YoY+1.4% QoQ
|
+1.1% |
3.6%
+4.6% YoY
|
3.9%
+1.6% YoY
|
3.8%
+4.1% YoY
|
Top 5.2% in tier |
| Efficiency Ratio |
62.7%
-7.3% YoY-1.0% QoQ
|
-15.4% |
78.0%
-1.7% YoY
|
85.0%
-0.4% YoY
|
84.6%
+2.8% YoY
|
Top 11.4% in tier |
| Delinquency Rate |
0.6%
-39.9% YoY-18.7% QoQ
|
-0.1 |
0.8%
+7.1% YoY
|
1.0%
-16.7% YoY
|
1.2%
+3.4% YoY
|
51% |
| Loan To Share |
78.4%
+9.2% YoY+0.2% QoQ
|
+7.9% |
70.4%
-0.4% YoY
|
68.5%
-1.8% YoY
|
65.6%
-1.4% YoY
|
64% |
| AMR |
$35,304
+6.8% YoY+1.3% QoQ
|
+$10K |
$24,918
+2.7% YoY
|
$18,267
+3.9% YoY
|
$19,920
+1.6% YoY
|
Top 9.6% in tier |
| CD Concentration |
11.9%
-3.5% YoY+1.0% QoQ
|
-12.4% | 24.3% | 22.8% | 19.8% | 50% |
| Indirect Auto % |
14.7%
+228.7% YoY+50.1% QoQ
|
+0.9% | 13.8% | 14.5% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)