BlastPoint's Credit Union Scorecard

OKALOOSA COUNTY TEACHERS

Charter #13534 · FL

100M-500M

1024 CUs in 100M-500M nationally 35 in FL

OKALOOSA COUNTY TEACHERS has 1 strength but faces 8 concerns

National Analysis

How does the industry compare?

FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ First Mortgage Concentration (%): Top 5.1% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- ROA 0.55% below tier average
- Efficiency ratio 10.25% above tier (higher cost structure)

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 35 that size in Florida.
Shares and deposits +3.3% year over year ($121M in shares and deposits).
Membership: 9,195 members, -2.0% vs a year ago.
Delinquency rate 1.39%.
Return on assets 0.31%.
Efficiency ratio 86.98% vs a 76.73% peer average.
Loan-to-share ratio 45.30% 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 (FL)	National Avg	Tier Percentile
Members	9,195 -2.0% YoY-3.7% QoQ	-6.0K	15,168 -2.6% YoY	74,629 +8.2% YoY	34,678 +6.6% YoY	26%
Assets	$135.3M +3.3% YoY+1.3% QoQ	$-96.7M	$232.0M +0.7% YoY	$1.2B +11.8% YoY	$593.1M +10.2% YoY	22%
Loans	$54.9M -5.1% YoY+0.1% QoQ	$-91.3M	$146.3M +0.2% YoY	$865.0M +13.2% YoY	$418.6M +10.1% YoY	Bottom 8.0% in tier
Deposits	$121.2M +3.3% YoY+1.3% QoQ	$-79.5M	$200.7M +0.2% YoY	$1.0B +12.3% YoY	$504.8M +10.3% YoY	25%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.3% -36.7% YoY-0.4% QoQ	-0.6%	0.9% +12.5% YoY	0.7% +7.2% YoY	1.2% +121.4% YoY	16%
NIM	3.5% -4.3% YoY+1.6% QoQ	-0.2%	3.7% +4.5% YoY	3.6% +3.4% YoY	3.8% +2.3% YoY	39%
Efficiency Ratio	87.0% +6.7% YoY-0.0% QoQ	+10.3%	76.7% -0.8% YoY	79.7% +3.1% YoY	83.0% -5.3% YoY	82%
Delinquency Rate	1.4% +12.7% YoY-3.2% QoQ	+0.5	0.9% +6.6% YoY	0.7% +5.6% YoY	1.3% +2.6% YoY	83%
Loan To Share	45.3% -8.1% YoY-1.1% QoQ	-26.2%	71.5% -0.3% YoY	70.8% +0.7% YoY	66.4% -1.4% YoY	Bottom 7.3% in tier
AMR	$19,157 +2.5% YoY+4.8% QoQ	$-6K	$25,107 +3.2% YoY	$23,115 +4.1% YoY	$20,028 -0.9% YoY	27%
CD Concentration	29.1% +7.7% YoY-0.1% QoQ	+4.5%	24.6%	24.7%	20.0%	50%
Indirect Auto %	28.5% -13.3% YoY-4.4% QoQ	+14.8%	13.6%	10.8%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Stagnation Risk

risk

#118 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): -1.97%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -5.13%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 1.39%

(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 improving

Efficiency Drag

risk

#167 of 531 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 86.98%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.18% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): -1.97%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#198 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): 3.29%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 28.46%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -1.97%

(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 | Rank worsening

Credit Quality Pressure

risk

#393 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): 0.16% 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 | New qualifier

Membership Headwinds

decline

#334 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): -1.97%

(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 improving

Institutional Decline

decline

#154 of 230 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $135.32M

(Tier: $336.17M, National: $593.11M)

worse than tier avg

Member Growth (YoY): -1.97%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -5.13%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | Rank improving

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 (1 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 4.54%

Peer Median: 29.92%

#53 of 1024 Top 5.1% in 100M-500M tier

Top Weaknesses (12 metrics)

949

Loan-to-Share Ratio

balance_sheet

Value: 45.30%

Peer Median: 73.07%

#949 of 1024 Bottom 7.4% in 100M-500M tier

942

Total Loans

balance_sheet

Value: $54.91M

Peer Median: $124.04M

#942 of 1024 Bottom 8.1% in 100M-500M tier

925

Loan Growth Rate

growth

Value: -5.13%

Peer Median: 3.02%

#925 of 1024 Bottom 9.8% in 100M-500M tier

896

Loan-to-Member Ratio (LMR)

engagement

Value: $5,972

Peer Median: $9,434

#896 of 1024 Bottom 12.6% in 100M-500M tier

863

Return on Assets (ROA)

profitability

Value: 0.31%

Peer Median: 0.75%

#863 of 1024 Bottom 15.8% in 100M-500M tier

861

Net Charge-Off Rate

risk

Value: 0.77%

Peer Median: 0.34%

#861 of 1024 Bottom 16.0% in 100M-500M tier

855

Indirect Auto Concentration (%)

balance_sheet

Value: 28.46%

Peer Median: 6.15%

#855 of 1024 Bottom 16.6% in 100M-500M tier

854

Members Per Employee (MPE)

engagement

Value: 241.974

Peer Median: 310.924

#854 of 1024 Bottom 16.7% in 100M-500M tier

853

Total Delinquency Rate (60+ days)

risk

Value: 1.39%

Peer Median: 0.71%

#853 of 1024 Bottom 16.8% in 100M-500M tier

843

Net Worth Ratio

risk

Value: 9.46%

Peer Median: 11.71%

#843 of 1024 Bottom 17.8% in 100M-500M tier