BlastPoint's Credit Union Scorecard

SOUTHWEST OKLAHOMA

Charter #12271 · OK

100M-500M

1024 CUs in 100M-500M nationally 18 in OK

SOUTHWEST OKLAHOMA has 5 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

+ Relationship Depth Leader: Top 50.0% in tier
+ ROA 1.13% above tier average
+ Net Interest Margin 1.14% above tier average
+ Net Worth Ratio: Top 3.9% in tier
+ Efficiency Ratio: Top 9.3% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Member decline: -2.2% YoY
- Total Members: Bottom 3.3% 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 -2.6% year over year ($94.1M in shares and deposits).
Membership: 4,818 members, -2.2% vs a year ago.
Delinquency rate 0.88%.
Return on assets 1.99%.
Efficiency ratio 60.82% vs a 76.73% peer average.
Loan-to-share ratio 79.28% 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	4,818 -2.2% YoY-0.7% QoQ	-10.4K	15,168 -2.6% YoY	28,343 +3.0% YoY	34,678 +6.6% YoY	Bottom 3.2% in tier
Assets	$116.4M +0.2% YoY-0.8% QoQ	$-115.6M	$232.0M +0.7% YoY	$422.2M +5.5% YoY	$593.1M +10.2% YoY	Bottom 10.6% in tier
Loans	$74.6M +6.5% YoY-0.9% QoQ	$-71.7M	$146.3M +0.2% YoY	$261.4M +3.6% YoY	$418.6M +10.1% YoY	20%
Deposits	$94.1M -2.6% YoY-2.0% QoQ	$-106.6M	$200.7M +0.2% YoY	$356.1M +5.9% YoY	$504.8M +10.3% YoY	Bottom 6.2% 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	2.0% +11.4% YoY+8.3% QoQ	+1.1%	0.9% +12.5% YoY	0.8% +38.1% YoY	1.2% +121.4% YoY	Top 3.3% in tier
NIM	4.8% +3.9% YoY+1.4% QoQ	+1.1%	3.7% +4.5% YoY	4.0% +2.7% YoY	3.8% +2.3% YoY	Top 5.4% in tier
Efficiency Ratio	60.8% -6.6% YoY-3.0% QoQ	-15.9%	76.7% -0.8% YoY	80.0% +0.4% YoY	83.0% -5.3% YoY	Top 9.3% in tier
Delinquency Rate	0.9% +14.5% YoY+39.0% QoQ	+0.0	0.9% +6.6% YoY	0.9% -29.0% YoY	1.3% +2.6% YoY	62%
Loan To Share	79.3% +9.4% YoY+1.2% QoQ	+7.7%	71.5% -0.3% YoY	69.7% -2.0% YoY	66.4% -1.4% YoY	63%
AMR	$35,011 +3.5% YoY-0.8% QoQ	+$10K	$25,107 +3.2% YoY	$18,336 +3.3% YoY	$20,028 -0.9% YoY	Top 10.5% in tier
CD Concentration	11.9% -2.9% YoY-0.0% QoQ	-12.7%	24.6%	22.8%	20.0%	50%
Indirect Auto %	16.3% +331.7% YoY+11.0% QoQ	+2.7%	13.6%	14.2%	7.7%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#181 of 262 • Top 50.0% 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): 3.46%

(Tier: 3.97%, National: 35.20%)

but worse than tier avg

Share Draft per Member: $5.1K

(Tier: $2.9K, National: $2.1K)

better than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | Rank worsening

Concerns (6)

Liquidity Overhang

risk

#73 of 130 • Bottom 50.0% in tier

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

Why This Signature

Net Worth Ratio: 19.32%

(Tier: 12.53%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 79.28%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

130 of 1024 Mid-Small & Community CUs have this signature | 148 nationally

↑ Growing +7 CUs YoY | Rank worsening

Membership Headwinds

decline

#315 of 549 • 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): -2.19%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

Credit Risk Growth

risk

#282 of 472 • 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): 6.48%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.11% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Credit Quality Pressure

risk

#464 of 693 • 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): 0.11% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank worsening

Stagnation Risk

risk

#396 of 549 • 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): -2.19%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 6.48%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Rate: 0.88%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#452 of 476 • 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): 0.20%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 16.29%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -2.19%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 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 1024 peers in tier

Top Strengths (8 metrics)

Return on Assets (ROA)

profitability

Value: 1.99%

Peer Median: 0.75%

#34 of 1024 Top 3.2% in 100M-500M tier

Net Worth Ratio

risk

Value: 19.32%

Peer Median: 11.71%

#41 of 1024 Top 3.9% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.83%

Peer Median: 3.67%

#55 of 1024 Top 5.3% in 100M-500M tier

Efficiency Ratio

profitability

Value: 60.82%

Peer Median: 77.26%

#96 of 1024 Top 9.3% in 100M-500M tier

108

Average Member Relationship (AMR)

engagement

Value: $35,011

Peer Median: $23,006

#108 of 1024 Top 10.4% in 100M-500M tier

113

Loan-to-Member Ratio (LMR)

engagement

Value: $15,483

Peer Median: $9,434

#113 of 1024 Top 10.9% in 100M-500M tier

128

Net Charge-Off Rate

risk

Value: 0.07%

Peer Median: 0.34%

#128 of 1024 Top 12.4% in 100M-500M tier

139

Share Certificate Concentration (%)

balance_sheet

Value: 11.88%

Peer Median: 23.39%

#139 of 1024 Top 13.5% in 100M-500M tier

Top Weaknesses (7 metrics)

991

Total Members

engagement

Value: 4,818

Peer Median: 13,128

#991 of 1024 Bottom 3.3% in 100M-500M tier

960

Total Deposits

balance_sheet

Value: $94.09M

Peer Median: $170.77M

#960 of 1024 Bottom 6.3% in 100M-500M tier

940

Deposit Growth Rate

growth

Value: -2.64%

Peer Median: 3.58%

#940 of 1024 Bottom 8.3% in 100M-500M tier

915

Total Assets

balance_sheet

Value: $116.40M

Peer Median: $196.38M

#915 of 1024 Bottom 10.7% in 100M-500M tier

834

Asset Growth Rate

growth

Value: 0.20%

Peer Median: 4.12%

#834 of 1024 Bottom 18.7% in 100M-500M tier

816

Total Loans

balance_sheet

Value: $74.60M

Peer Median: $124.04M

#816 of 1024 Bottom 20.4% in 100M-500M tier

771

Member Growth Rate

growth

Value: -2.19%

Peer Median: -0.03%

#771 of 1024 Bottom 24.8% in 100M-500M tier