BlastPoint's Credit Union Scorecard

SOUTHWEST OKLAHOMA

Charter #12271 · OK

1069 CUs in 100M-500M nationally 17 in OK

SOUTHWEST OKLAHOMA has 5 strengths but faces 5 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

+ Relationship Depth Leader: Top 61.0% in tier
+ ROA 1.07% above tier average
+ Net Interest Margin 1.09% above tier average
+ Net Worth Ratio: Top 5.0% in tier
+ Average Member Relationship (AMR): Top 9.7% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 55.2% in tier
- Membership Headwinds: Bottom 64.7% in tier
- Stagnation Risk: Bottom 79.2% in tier
- Total Members: Bottom 2.9% in tier
- Total Deposits: Bottom 6.7% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Members	4,884 -1.9% YoY-0.6% QoQ	-10.6K	15,437 -2.9% YoY	27,482 +2.5% YoY	33,374 +5.7% YoY	Bottom 2.8% in tier
Assets	$116.2M +2.7% YoY-0.3% QoQ	$-115.7M	$231.9M +1.3% YoY	$405.9M +5.4% YoY	$561.6M +9.7% YoY	Bottom 10.4% in tier
Loans	$74.7M +4.8% YoY+1.5% QoQ	$-72.7M	$147.3M -0.1% YoY	$252.1M +2.0% YoY	$397.0M +8.8% YoY	19%
Deposits	$95.5M +0.2% YoY-0.7% QoQ	$-105.3M	$200.8M +0.8% YoY	$340.9M +4.8% YoY	$477.3M +9.7% YoY	Bottom 6.6% in tier

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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	1.8% +20.1% YoY+1.1% QoQ	+1.1%	0.8% +18.2% YoY	0.5% +4.6% YoY	0.7% +15.9% YoY	Top 3.8% in tier
NIM	4.7% +6.9% YoY+0.3% QoQ	+1.1%	3.6% +6.7% YoY	3.9% +3.6% YoY	3.8% +5.1% YoY	Top 6.3% in tier
Efficiency Ratio	63.3% -7.3% YoY-1.3% QoQ	-13.7%	77.0% -3.1% YoY	81.1% +0.6% YoY	79.7% -3.3% YoY	Bottom 11.4% in tier
Delinquency Rate	0.8% -34.2% YoY-21.5% QoQ	-0.1	0.9% +4.2% YoY	1.2% +8.0% YoY	1.3% -2.1% YoY	54%
Loan To Share	78.2% +4.6% YoY+2.2% QoQ	+6.0%	72.2% -1.1% YoY	70.1% -2.3% YoY	67.4% -1.7% YoY	58%
AMR	$34,843 +4.1% YoY+0.8% QoQ	+$10K	$24,676 +3.4% YoY	$18,047 +3.6% YoY	$19,687 +2.0% YoY	Top 9.8% in tier
CD Concentration	11.8% +0.5% YoY-1.5% QoQ	-12.7%	24.4%	23.0%	19.8%	50%
Indirect Auto %	9.8% +101.7% YoY+214.1% QoQ	-4.0%	13.8%	14.8%	7.8%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#164 of 268 • Top 61.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 4.14%

(Tier: 4.17%, National: 4.00%)

but worse than tier avg

Share Draft per Member: $5.4K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | Rank improving

Concerns (3)

Liquidity Overhang

risk

#75 of 135 • Bottom 55.2% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 18.36%

(Tier: 11.97%, National: 14.49%)

but better than tier avg

Loan-to-Share Ratio: 78.20%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

135 of 1069 Mid-Small & Community CUs have this signature | 155 nationally

↑ Growing +17 CUs YoY | Rank improving

Membership Headwinds

decline

#359 of 554 • Bottom 64.7% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.89%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#439 of 554 • Bottom 79.2% 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): -1.89%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 4.80%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Rate: 0.77%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 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 1069 peers in tier

Top Strengths (7 metrics)

Return on Assets (ROA)

profitability

Value: 1.83%

Peer Median: -

#41 of 1069 Top 3.7% in 100M-500M tier

Net Worth Ratio

risk

Value: 18.36%

Peer Median: -

#54 of 1069 Top 5.0% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.70%

Peer Median: -

#67 of 1069 Top 6.2% in 100M-500M tier

105

Average Member Relationship (AMR)

engagement

Value: $34,843

Peer Median: -

#105 of 1069 Top 9.7% in 100M-500M tier

110

Loan-to-Member Ratio (LMR)

engagement

Value: $15,291

Peer Median: -

#110 of 1069 Top 10.2% in 100M-500M tier

123

Efficiency Ratio

profitability

Value: 63.28%

Peer Median: -

#123 of 1069 Top 11.4% in 100M-500M tier

143

Share Certificate Concentration (%)

balance_sheet

Value: 11.76%

Peer Median: -

#143 of 1069 Top 13.3% in 100M-500M tier

Top Weaknesses (5 metrics)

1039

Total Members

engagement

Value: 4,884

Peer Median: -

#1039 of 1069 Bottom 2.9% in 100M-500M tier

998

Total Deposits

balance_sheet

Value: $95.49M

Peer Median: -

#998 of 1069 Bottom 6.7% in 100M-500M tier

958

Total Assets

balance_sheet

Value: $116.19M

Peer Median: -

#958 of 1069 Bottom 10.5% in 100M-500M tier

874

Deposit Growth Rate

growth

Value: 0.22%

Peer Median: -

#874 of 1069 Bottom 18.3% in 100M-500M tier

867

Total Loans

balance_sheet

Value: $74.68M

Peer Median: -

#867 of 1069 Bottom 19.0% in 100M-500M tier