BlastPoint's Credit Union Scorecard
SOUTHWEST OKLAHOMA
Charter #12271 · OK
SOUTHWEST OKLAHOMA has 8 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Profitability Leader: Top 19.2% in tier
- + Relationship Depth Leader: Top 22.7% in tier
- + Wallet Share Momentum: Top 48.3% in tier
- + ROA 1.02% above tier average
- + Net Interest Margin 1.10% above tier average
- + Net Worth Ratio: Top 5.4% in tier
- + Average Member Relationship (AMR): Top 9.4% in tier
- + Loan-to-Member Ratio (LMR): Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 1.5% in tier
- - Membership Headwinds: Bottom 19.7% in tier
- - Liquidity Overhang: Bottom 53.4% in tier
- - Delinquency rate 0.13% above tier average
- - Total Members: Bottom 3.0% in tier
- - Total Deposits: Bottom 7.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,912
-2.0% YoY-0.3% QoQ
|
-10.7K |
15,628
-3.4% YoY
|
27,533
+2.7% YoY
|
33,089
+6.1% YoY
|
Bottom 2.9% in tier |
| Assets |
$116.6M
+5.2% YoY+0.3% QoQ
|
$-114.7M |
$231.3M
-0.0% YoY
|
$405.5M
+5.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 11.2% in tier |
| Loans |
$73.6M
+8.0% YoY+5.0% QoQ
|
$-74.2M |
$147.8M
-1.4% YoY
|
$252.8M
+1.3% YoY
|
$388.7M
+8.6% YoY
|
18% |
| Deposits |
$96.2M
+3.6% YoY-0.5% QoQ
|
$-104.1M |
$200.3M
-0.0% YoY
|
$336.4M
+4.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 7.7% in tier |
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| ROA |
1.8%
+14.8% YoY+1.2% QoQ
|
+1.0% |
0.8%
+15.5% YoY
|
0.6%
+31.7% YoY
|
0.7%
+273.4% YoY
|
Top 5.5% in tier |
| NIM |
4.7%
+7.0% YoY+0.8% QoQ
|
+1.1% |
3.6%
+6.9% YoY
|
3.9%
+3.8% YoY
|
3.7%
+5.0% YoY
|
Top 5.8% in tier |
| Efficiency Ratio |
64.1%
-6.4% YoY-1.6% QoQ
|
-13.2% |
77.3%
-3.0% YoY
|
79.2%
-1.1% YoY
|
79.1%
-3.3% YoY
|
Bottom 14.2% in tier |
| Delinquency Rate |
1.0%
-11.7% YoY+29.1% QoQ
|
+0.1 |
0.9%
+7.6% YoY
|
1.1%
-4.2% YoY
|
1.2%
-0.9% YoY
|
70% |
| Loan To Share |
76.5%
+4.3% YoY+5.5% QoQ
|
+3.8% |
72.7%
-1.5% YoY
|
71.1%
-2.1% YoY
|
68.0%
-1.7% YoY
|
55% |
| AMR |
$34,554
+7.6% YoY+2.1% QoQ
|
+$10K |
$24,363
+2.9% YoY
|
$17,893
+3.6% YoY
|
$19,418
+1.3% YoY
|
Top 9.5% in tier |
| CD Concentration |
11.9%
+4.7% YoY-2.3% QoQ
|
-12.5% |
24.4%
+4.2% YoY
|
23.2%
+1.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
3.1%
-34.6% YoY-17.5% QoQ
|
-10.9% |
14.0%
-5.7% YoY
|
15.2%
-17.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (3)
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
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)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
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)