BlastPoint's Credit Union Scorecard

OKALOOSA COUNTY TEACHERS

Charter #13534 · FL

1069 CUs in 100M-500M nationally 35 in FL

OKALOOSA COUNTY TEACHERS has 2 strengths but faces 13 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

+ Net Interest Margin 0.05% above tier average
+ First Mortgage Concentration (%): Top 5.0% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 14.3% in tier
- Institutional Decline: Bottom 51.9% in tier
- Indirect Auto Dependency: Bottom 52.9% in tier
- Membership Headwinds: Bottom 56.4% in tier
- Efficiency Drag: Bottom 70.6% in tier
- Credit Quality Pressure: Bottom 89.5% in tier
- ROA 0.34% below tier average
- Efficiency ratio 6.01% above tier (higher cost structure)
- Delinquency rate 0.73% above tier average
- Member decline: -2.3% YoY
- Loan Growth Rate: Bottom 3.2% in tier
- Total Loans: Bottom 7.8% in tier
- Loan-to-Share Ratio: Bottom 8.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	9,292 -2.3% YoY-4.9% QoQ	-6.1K	15,437 -2.9% YoY	72,012 +7.1% YoY	33,374 +5.7% YoY	25%
Assets	$130.5M +1.9% YoY-0.1% QoQ	$-101.4M	$231.9M +1.3% YoY	$1.1B +9.4% YoY	$561.6M +9.7% YoY	21%
Loans	$55.3M -9.7% YoY-2.0% QoQ	$-92.0M	$147.3M -0.1% YoY	$808.5M +10.5% YoY	$397.0M +8.8% YoY	Bottom 7.7% in tier
Deposits	$116.7M +1.8% YoY-0.2% QoQ	$-84.1M	$200.8M +0.8% YoY	$948.9M +9.7% YoY	$477.3M +9.7% YoY	22%

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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	0.4% -39.6% YoY-6.9% QoQ	-0.3%	0.8% +18.2% YoY	0.6% +16.0% YoY	0.7% +15.9% YoY	26%
NIM	3.7% -3.9% YoY-0.2% QoQ	+0.1%	3.6% +6.7% YoY	3.6% +4.0% YoY	3.8% +5.1% YoY	52%
Efficiency Ratio	83.0% +8.3% YoY+0.5% QoQ	+6.0%	77.0% -3.1% YoY	77.7% -2.7% YoY	79.7% -3.3% YoY	71%
Delinquency Rate	1.6% +2.2% YoY+32.5% QoQ	+0.7	0.9% +4.2% YoY	0.7% +7.1% YoY	1.3% -2.1% YoY	Top 11.6% in tier
Loan To Share	47.4% -11.3% YoY-1.8% QoQ	-24.8%	72.2% -1.1% YoY	71.1% +0.4% YoY	67.4% -1.7% YoY	Bottom 8.8% in tier
AMR	$18,510 +0.1% YoY+4.4% QoQ	$-6K	$24,676 +3.4% YoY	$22,519 +3.6% YoY	$19,687 +2.0% YoY	24%
CD Concentration	28.4% +17.3% YoY+2.0% QoQ	+4.0%	24.4%	24.1%	19.8%	50%
Indirect Auto %	30.7% -11.8% YoY-2.4% QoQ	+16.9%	13.8%	10.8%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Stagnation Risk

risk

#80 of 554 • Bottom 14.3% 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): -2.32%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -9.73%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 1.62%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

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

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

Institutional Decline

decline

#125 of 240 • Bottom 51.9% in tier

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

Why This Signature

Total Assets: $130.49M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -2.32%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -9.73%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Indirect Auto Dependency

risk

#268 of 506 • Bottom 52.9% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 1.89%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 30.68%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -2.32%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank worsening

Membership Headwinds

decline

#313 of 554 • Bottom 56.4% in tier

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

Why This Signature

Member Growth (YoY): -2.32%

(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

Efficiency Drag

risk

#380 of 538 • Bottom 70.6% in tier

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

Why This Signature

Efficiency Ratio: 83.03%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.28% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -2.32%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | New qualifier

Credit Quality Pressure

risk

#631 of 705 • Bottom 89.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.04% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 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 1069 peers in tier

Top Strengths (1 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 4.60%

Peer Median: -

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

Top Weaknesses (14 metrics)

1036

Loan Growth Rate

growth

Value: -9.73%

Peer Median: -

#1036 of 1069 Bottom 3.2% in 100M-500M tier

987

Total Loans

balance_sheet

Value: $55.31M

Peer Median: -

#987 of 1069 Bottom 7.8% in 100M-500M tier

975

Loan-to-Share Ratio

balance_sheet

Value: 47.40%

Peer Median: -

#975 of 1069 Bottom 8.9% in 100M-500M tier

956

Net Charge-Off Rate

risk

Value: 1.00%

Peer Median: -

#956 of 1069 Bottom 10.7% in 100M-500M tier

946

Total Delinquency Rate (60+ days)

risk

Value: 1.62%

Peer Median: -

#946 of 1069 Bottom 11.6% in 100M-500M tier

930

Loan-to-Member Ratio (LMR)

engagement

Value: $5,952

Peer Median: -

#930 of 1069 Bottom 13.1% in 100M-500M tier

907

Indirect Auto Concentration (%)

balance_sheet

Value: 30.68%

Peer Median: -

#907 of 1069 Bottom 15.2% in 100M-500M tier

885

Members Per Employee (MPE)

engagement

Value: 244.526

Peer Median: -

#885 of 1069 Bottom 17.3% in 100M-500M tier

858

AMR Growth Rate

growth

Value: 0.09%

Peer Median: -

#858 of 1069 Bottom 19.8% in 100M-500M tier

849

Total Assets

balance_sheet

Value: $130.49M

Peer Median: -

#849 of 1069 Bottom 20.7% in 100M-500M tier