BlastPoint's Credit Union Scorecard

ENDURANCE

Charter #13898 · OK

1077 CUs in 100M-500M nationally 17 in OK

ENDURANCE has 4 strengths but faces 5 concerns

National Analysis

How does the industry compare?
OK Analysis

How does OK stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Credit Quality Leader: Top 33.3% in tier
  • + ROA 0.11% above tier average
  • + First Mortgage Concentration (%): Top 2.8% in tier
  • + Total Delinquency Rate (60+ days): Top 9.2% in tier

Key Concerns

Areas that may need attention

  • - Stagnation Risk: Bottom 15.8% in tier
  • - Membership Headwinds: Bottom 19.5% in tier
  • - Institutional Decline: Bottom 25.8% in tier
  • - Indirect Auto Dependency: Bottom 29.8% in tier
  • - Member decline: -2.0% YoY

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Members 13,415
-2.0% YoY-0.5% QoQ
 -2.2K 15,628
-3.4% YoY
 27,533
+2.7% YoY
 33,089
+6.1% YoY
 49%
Assets $184.7M
+0.8% YoY-0.6% QoQ
 $-46.6M $231.3M
-0.0% YoY
 $405.5M
+5.4% YoY
 $547.7M
+7.8% YoY
 46%
Loans $106.3M
-2.2% YoY-3.5% QoQ
 $-41.5M $147.8M
-1.4% YoY
 $252.8M
+1.3% YoY
 $388.7M
+8.6% YoY
 38%
Deposits $158.4M
+0.5% YoY-0.4% QoQ
 $-41.8M $200.3M
-0.0% YoY
 $336.4M
+4.6% YoY
 $464.6M
+9.3% YoY
 45%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.9%
+24.4% YoY-14.5% QoQ
 +0.1% 0.8%
+15.5% YoY
 0.6%
+31.7% YoY
 0.7%
+273.4% YoY
 59%
NIM 2.9%
+6.8% YoY+1.3% QoQ
 -0.7% 3.6%
+6.9% YoY
 3.9%
+3.8% YoY
 3.7%
+5.0% YoY
 Bottom 14.7% in tier
Efficiency Ratio 76.2%
-2.4% YoY+4.6% QoQ
 -1.1% 77.3%
-3.0% YoY
 79.2%
-1.1% YoY
 79.1%
-3.3% YoY
 47%
Delinquency Rate 0.2%
-36.2% YoY-37.2% QoQ
 -0.7 0.9%
+7.6% YoY
 1.1%
-4.2% YoY
 1.2%
-0.9% YoY
 Bottom 9.2% in tier
Loan To Share 67.1%
-2.7% YoY-3.1% QoQ
 -5.6% 72.7%
-1.5% YoY
 71.1%
-2.1% YoY
 68.0%
-1.7% YoY
 34%
AMR $19,734
+1.4% YoY-1.2% QoQ
 $-5K $24,363
+2.9% YoY
 $17,893
+3.6% YoY
 $19,418
+1.3% YoY
 33%
CD Concentration 23.7%
+17.4% YoY+14.3% QoQ
 -0.7% 24.4%
+4.2% YoY
 23.2%
+1.7% YoY
 19.6%
+6.2% YoY
 50%
Indirect Auto % 18.2%
-24.3% YoY-6.4% QoQ
 +4.2% 14.0%
-5.7% YoY
 15.2%
-17.2% YoY
 7.9%
-2.9% YoY
 50%

Signature Analysis

Strengths (1)

Credit Quality Leader

growth
#114 of 340 • Top 33.3% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature
Delinquency Rate: 0.17%
(Tier: 0.85%, National: 1.23%)
better than tier avg
Delinquency Change (YoY): -0.10% points
(Tier: 0.04% points, National: 0.07% points)
better than tier avg
340 of 1077 Community CUs have this signature | 457 nationally
→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Concerns (4)

Stagnation Risk

risk
#261 of 550 • Bottom 15.8% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature
Member Growth (YoY): -2.02%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -2.24%
(Tier: 3.65%, National: 36.38%)
worse than tier avg
Delinquency Rate: 0.17%
(Tier: 0.85%, National: 1.23%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Membership Headwinds

decline
#321 of 550 • Bottom 19.5% in tier

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

Why This Signature
Member Growth (YoY): -2.02%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Institutional Decline

decline
#204 of 256 • Bottom 25.8% in tier

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

Why This Signature
Total Assets: $184.73M
(Tier: $331.87M, National: $547.69M)
worse than tier avg
Member Growth (YoY): -2.02%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -2.24%
(Tier: 3.65%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#480 of 525 • Bottom 29.8% in tier

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

Why This Signature
Asset Growth (YoY): 0.78%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 18.17%
(Tier: 13.97%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -2.02%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 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 1077 peers in tier

Top Strengths (4 metrics)

31
First Mortgage Concentration (%)
balance_sheet
Value: 2.06%
Peer Avg: -
#31 of 1077 Top 2.8% in 100M-500M tier
100
Total Delinquency Rate (60+ days)
risk
Value: 0.17%
Peer Avg: -
#100 of 1077 Top 9.2% in 100M-500M tier
227
Net Worth Ratio
risk
Value: 14.03%
Peer Avg: -
#227 of 1077 Top 21.0% in 100M-500M tier
239
Net Charge-Off Rate
risk
Value: 0.15%
Peer Avg: -
#239 of 1077 Top 22.1% in 100M-500M tier

Top Weaknesses (4 metrics)

919
Net Interest Margin (NIM)
profitability
Value: 2.86%
Peer Avg: -
#919 of 1077 Bottom 14.8% in 100M-500M tier
837
Deposit Growth Rate
growth
Value: 0.49%
Peer Avg: -
#837 of 1077 Bottom 22.4% in 100M-500M tier
822
Asset Growth Rate
growth
Value: 0.78%
Peer Avg: -
#822 of 1077 Bottom 23.8% in 100M-500M tier
816
Loan Growth Rate
growth
Value: -2.24%
Peer Avg: -
#816 of 1077 Bottom 24.3% in 100M-500M tier
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