BlastPoint's Credit Union Scorecard
ENDURANCE
Charter #13898 · OK
ENDURANCE has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + First Mortgage Concentration (%): Top 3.9% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Cost Spiral: Bottom 50.0% in tier
- - ROA 0.16% below tier average
- - Efficiency ratio 2.00% above tier (higher cost structure)
- - Member decline: -2.1% YoY
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 18 that size in Oklahoma.
- Shares and deposits +5.9% year over year ($168M in shares and deposits).
- Membership: 13,200 members, -2.1% vs a year ago.
- Delinquency rate 0.21%.
- Return on assets 0.70%.
- Efficiency ratio 78.73% vs a 76.73% peer average.
- Loan-to-share ratio 66.44% 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 (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,200
-2.1% YoY-0.3% QoQ
|
-2.0K |
15,168
-2.6% YoY
|
28,343
+3.0% YoY
|
34,678
+6.6% YoY
|
50% |
| Assets |
$196.5M
+5.8% YoY-0.7% QoQ
|
$-35.6M |
$232.0M
+0.7% YoY
|
$422.2M
+5.5% YoY
|
$593.1M
+10.2% YoY
|
50% |
| Loans |
$112.0M
+1.7% YoY+4.1% QoQ
|
$-34.3M |
$146.3M
+0.2% YoY
|
$261.4M
+3.6% YoY
|
$418.6M
+10.1% YoY
|
43% |
| Deposits |
$168.5M
+5.9% YoY-1.3% QoQ
|
$-32.2M |
$200.7M
+0.2% YoY
|
$356.1M
+5.9% YoY
|
$504.8M
+10.3% YoY
|
49% |
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| ROA |
0.7%
-32.9% YoY+24.3% QoQ
|
-0.2% |
0.9%
+12.5% YoY
|
0.8%
+38.1% YoY
|
1.2%
+121.4% YoY
|
45% |
| NIM |
2.9%
+2.8% YoY+2.1% QoQ
|
-0.8% |
3.7%
+4.5% YoY
|
4.0%
+2.7% YoY
|
3.8%
+2.3% YoY
|
Bottom 10.5% in tier |
| Efficiency Ratio |
78.7%
+8.2% YoY-3.4% QoQ
|
+2.0% |
76.7%
-0.8% YoY
|
80.0%
+0.4% YoY
|
83.0%
-5.3% YoY
|
54% |
| Delinquency Rate |
0.2%
-24.8% YoY+17.4% QoQ
|
-0.7 |
0.9%
+6.6% YoY
|
0.9%
-29.0% YoY
|
1.3%
+2.6% YoY
|
Top 11.8% in tier |
| Loan To Share |
66.4%
-4.0% YoY+5.6% QoQ
|
-5.1% |
71.5%
-0.3% YoY
|
69.7%
-2.0% YoY
|
66.4%
-1.4% YoY
|
36% |
| AMR |
$21,246
+6.4% YoY+1.1% QoQ
|
$-4K |
$25,107
+3.2% YoY
|
$18,336
+3.3% YoY
|
$20,028
-0.9% YoY
|
39% |
| CD Concentration |
25.4%
+22.3% YoY+1.0% QoQ
|
+0.9% | 24.6% | 22.8% | 20.0% | 50% |
| Indirect Auto % |
13.8%
-28.8% YoY-9.2% QoQ
|
+0.2% | 13.6% | 14.2% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
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)