BlastPoint's Credit Union Scorecard

OKALOOSA COUNTY TEACHERS

Charter #13534 · FL

100M-500M
1070 CUs in 100M-500M nationally 36 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 5.4% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 50.0% in tier
  • - Shrinking Wallet Share: Bottom 50.0% in tier
  • - Indirect Auto Dependency: Bottom 50.0% in tier
  • - ROA 0.42% below tier average
  • - Efficiency ratio 9.00% above tier (higher cost structure)
  • - Delinquency rate 0.66% above tier average
  • - Loan Growth Rate: Bottom 4.5% in tier
  • - Loan-to-Share Ratio: Bottom 8.2% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Members 9,553
+1.3% YoY+2.8% QoQ
 -5.6K 15,145
-2.5% YoY
 74,034
+8.9% YoY
 33,913
+5.7% YoY
 30%
Assets $133.6M
+3.0% YoY+2.4% QoQ
 $-98.1M $231.7M
+0.8% YoY
 $1.2B
+11.7% YoY
 $578.3M
+9.0% YoY
 22%
Loans $54.8M
-8.3% YoY-0.8% QoQ
 $-89.3M $144.1M
+0.2% YoY
 $841.5M
+13.6% YoY
 $402.4M
+8.7% YoY
 Bottom 8.6% in tier
Deposits $119.7M
+2.9% YoY+2.6% QoQ
 $-81.4M $201.1M
+0.4% YoY
 $1.0B
+12.4% YoY
 $494.3M
+9.1% YoY
 24%

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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%
-10.8% YoY-26.6% QoQ
 -0.4% 0.7%
+5.1% YoY
 0.6%
-11.7% YoY
 0.4%
-39.2% YoY
 24%
NIM 3.5%
-6.5% YoY-5.5% QoQ
 -0.2% 3.6%
+4.6% YoY
 3.6%
+2.7% YoY
 3.8%
+4.1% YoY
 40%
Efficiency Ratio 87.0%
+8.8% YoY+4.8% QoQ
 +9.0% 78.0%
-1.7% YoY
 80.0%
+2.7% YoY
 84.6%
+2.8% YoY
 78%
Delinquency Rate 1.4%
-19.2% YoY-11.4% QoQ
 +0.7 0.8%
+7.1% YoY
 0.6%
+6.2% YoY
 1.2%
+3.4% YoY
 Bottom 11.8% in tier
Loan To Share 45.8%
-10.9% YoY-3.3% QoQ
 -24.6% 70.4%
-0.4% YoY
 70.1%
+1.4% YoY
 65.6%
-1.4% YoY
 Bottom 8.1% in tier
AMR $18,272
-2.2% YoY-1.3% QoQ
 $-7K $24,918
+2.7% YoY
 $23,044
+4.5% YoY
 $19,920
+1.6% YoY
 22%
CD Concentration 29.1%
+15.1% YoY+2.4% QoQ
 +4.9% 24.3% 24.4% 19.8% 50%
Indirect Auto % 29.8%
-21.0% YoY-2.9% QoQ
 +16.0% 13.8% 10.8% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Efficiency Drag

risk
#72 of 596 • 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: 87.03%
(Tier: 77.94%, National: 84.64%)
worse than tier avg
ROA Change (YoY): -0.04% points
(Tier: 0.05% points, National: -0.45% points)
worse than tier avg
Member Growth (YoY): 1.29%
(Tier: 0.72%, National: 10.19%)
but better than tier avg
596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally
↓ Shrinking -84 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#143 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -2.18%
(Tier: 3.74%, National: 6.36%)
worse than tier avg
238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally
↓ Shrinking -109 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#308 of 504 • 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): 3.03%
(Tier: 4.68%, National: 1663.40%)
worse than tier avg
Indirect Auto %: 29.78%
(Tier: 13.80%, National: 7.73%)
worse than tier avg
Member Growth (YoY): 1.29%
(Tier: 0.72%, National: 10.19%)
but better than tier avg
504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally
↓ Shrinking -29 CUs YoY | Rank worsening

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)

Comparing against 1070 peers in tier

Top Strengths (1 metrics)

59
First Mortgage Concentration (%)
balance_sheet
Value: 4.56%
Peer Median: 29.47%
#59 of 1070 Top 5.4% in 100M-500M tier

Top Weaknesses (14 metrics)

1023
Loan Growth Rate
growth
Value: -8.30%
Peer Median: 2.93%
#1023 of 1070 Bottom 4.5% in 100M-500M tier
983
Loan-to-Share Ratio
balance_sheet
Value: 45.82%
Peer Median: 71.88%
#983 of 1070 Bottom 8.2% in 100M-500M tier
978
Total Loans
balance_sheet
Value: $54.85M
Peer Median: $121.41M
#978 of 1070 Bottom 8.7% in 100M-500M tier
953
AMR Growth Rate
growth
Value: -2.18%
Peer Median: 3.46%
#953 of 1070 Bottom 11.0% in 100M-500M tier
945
Total Delinquency Rate (60+ days)
risk
Value: 1.44%
Peer Median: 0.61%
#945 of 1070 Bottom 11.8% in 100M-500M tier
944
Loan-to-Member Ratio (LMR)
engagement
Value: $5,741
Peer Median: $9,356
#944 of 1070 Bottom 11.9% in 100M-500M tier
905
Indirect Auto Concentration (%)
balance_sheet
Value: 29.78%
Peer Median: 6.61%
#905 of 1070 Bottom 15.5% in 100M-500M tier
904
Net Charge-Off Rate
risk
Value: 0.83%
Peer Median: 0.35%
#904 of 1070 Bottom 15.6% in 100M-500M tier
845
Net Worth Ratio
risk
Value: 9.50%
Peer Median: 11.45%
#845 of 1070 Bottom 21.1% in 100M-500M tier
839
Average Member Relationship (AMR)
engagement
Value: $18,272
Peer Median: $22,931
#839 of 1070 Bottom 21.7% in 100M-500M tier
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