BlastPoint's Credit Union Scorecard
OKALOOSA COUNTY TEACHERS
Charter #13534 · FL
OKALOOSA COUNTY TEACHERS has 3 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 28.8% in tier
- + Net Interest Margin 0.08% above tier average
- + First Mortgage Concentration (%): Top 5.4% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 13.9% in tier
- - Indirect Auto Dependency: Bottom 15.5% in tier
- - Efficiency Drag: Bottom 24.0% in tier
- - ROA 0.33% below tier average
- - Efficiency ratio 5.33% above tier (higher cost structure)
- - Delinquency rate 0.37% above tier average
- - Loan Growth Rate: Bottom 5.3% in tier
- - Total Loans: Bottom 8.0% in tier
- - Loan-to-Share Ratio: Bottom 9.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,775
+2.4% YoY+4.2% QoQ
|
-5.9K |
15,628
-3.4% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
29% |
| Assets |
$130.6M
+4.7% YoY-0.3% QoQ
|
$-100.7M |
$231.3M
-0.0% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
21% |
| Loans |
$56.4M
-8.4% YoY-2.5% QoQ
|
$-91.4M |
$147.8M
-1.4% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Bottom 7.9% in tier |
| Deposits |
$116.9M
+4.6% YoY-0.4% QoQ
|
$-83.4M |
$200.3M
-0.0% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
23% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.5%
-41.9% YoY-7.0% QoQ
|
-0.3% |
0.8%
+15.5% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
29% |
| NIM |
3.7%
-4.8% YoY-0.2% QoQ
|
+0.1% |
3.6%
+6.9% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
55% |
| Efficiency Ratio |
82.6%
+7.5% YoY+1.3% QoQ
|
+5.3% |
77.3%
-3.0% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
70% |
| Delinquency Rate |
1.2%
-21.1% YoY-0.9% QoQ
|
+0.4 |
0.9%
+7.6% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
78% |
| Loan To Share |
48.3%
-12.5% YoY-2.1% QoQ
|
-24.4% |
72.7%
-1.5% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
Bottom 9.1% in tier |
| AMR |
$17,732
-2.4% YoY-5.1% QoQ
|
$-7K |
$24,363
+2.9% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
21% |
| CD Concentration |
27.9%
+29.6% YoY+3.2% QoQ
|
+3.5% |
24.4%
+4.2% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
31.4%
-9.7% YoY-4.2% QoQ
|
+17.4% |
14.0%
-5.7% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)