BlastPoint's Credit Union Scorecard

ENDURANCE

Charter #13898 · OK

1069 CUs in 100M-500M nationally 17 in OK

ENDURANCE has 2 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

  • + ROA 0.07% above tier average
  • + First Mortgage Concentration (%): Top 2.7% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 62.9% in tier
  • - Membership Headwinds: Bottom 64.0% in tier
  • - Stagnation Risk: Bottom 76.8% in tier
  • - Indirect Auto Dependency: Bottom 85.7% in tier
  • - Efficiency ratio 0.46% above tier (higher cost structure)

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Members 13,391
-1.9% YoY-0.2% QoQ
 -2.0K 15,437
-2.9% YoY
 27,482
+2.5% YoY
 33,374
+5.7% YoY
 50%
Assets $189.9M
+4.3% YoY+2.8% QoQ
 $-41.9M $231.9M
+1.3% YoY
 $405.9M
+5.4% YoY
 $561.6M
+9.7% YoY
 48%
Loans $110.6M
-0.1% YoY+4.1% QoQ
 $-36.7M $147.3M
-0.1% YoY
 $252.1M
+2.0% YoY
 $397.0M
+8.8% YoY
 42%
Deposits $163.0M
+4.0% YoY+2.9% QoQ
 $-37.8M $200.8M
+0.8% YoY
 $340.9M
+4.8% YoY
 $477.3M
+9.7% YoY
 47%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.8%
+29.9% YoY-7.1% QoQ
 +0.1% 0.8%
+18.2% YoY
 0.5%
+4.6% YoY
 0.7%
+15.9% YoY
 57%
NIM 2.9%
+4.9% YoY-0.5% QoQ
 -0.8% 3.6%
+6.7% YoY
 3.9%
+3.6% YoY
 3.8%
+5.1% YoY
 Bottom 12.4% in tier
Efficiency Ratio 77.5%
-1.9% YoY+1.7% QoQ
 +0.5% 77.0%
-3.1% YoY
 81.1%
+0.6% YoY
 79.7%
-3.3% YoY
 51%
Delinquency Rate 0.3%
+108.3% YoY+47.1% QoQ
 -0.6 0.9%
+4.2% YoY
 1.2%
+8.0% YoY
 1.3%
-2.1% YoY
 Bottom 12.5% in tier
Loan To Share 67.9%
-4.0% YoY+1.2% QoQ
 -4.4% 72.2%
-1.1% YoY
 70.1%
-2.3% YoY
 67.4%
-1.7% YoY
 38%
AMR $20,437
+4.3% YoY+3.6% QoQ
 $-4K $24,676
+3.4% YoY
 $18,047
+3.6% YoY
 $19,687
+2.0% YoY
 36%
CD Concentration 25.1%
+16.7% YoY+5.7% QoQ
 +0.7% 24.4% 23.0% 19.8% 50%
Indirect Auto % 15.6%
-28.5% YoY-13.9% QoQ
 +1.8% 13.8% 14.8% 7.8% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Credit Quality Pressure

risk
#444 of 705 • Bottom 62.9% in tier

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

Why This Signature
Delinquency Change (YoY): 0.13% 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

Membership Headwinds

decline
#355 of 554 • Bottom 64.0% in tier

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

Why This Signature
Member Growth (YoY): -1.93%
(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

Stagnation Risk

risk
#426 of 554 • Bottom 76.8% 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): -1.93%
(Tier: 0.69%, National: 4.32%)
worse than tier avg
Loan Growth (YoY): -0.10%
(Tier: 4.11%, National: 111.96%)
worse than tier avg
Delinquency Rate: 0.26%
(Tier: 0.89%, National: 1.28%)
but better than tier avg
554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally
→ No prior data (554 CUs now) | New qualifier

Indirect Auto Dependency

risk
#434 of 506 • Bottom 85.7% in tier

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

Why This Signature
Asset Growth (YoY): 4.26%
(Tier: 5.37%, National: 3.54%)
worse than tier avg
Indirect Auto %: 15.64%
(Tier: 13.79%, National: 7.78%)
worse than tier avg
Member Growth (YoY): -1.93%
(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

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 1069 peers in tier

Top Strengths (4 metrics)

30
First Mortgage Concentration (%)
balance_sheet
Value: 1.96%
Peer Median: -
#30 of 1069 Top 2.7% in 100M-500M tier
135
Total Delinquency Rate (60+ days)
risk
Value: 0.26%
Peer Median: -
#135 of 1069 Top 12.5% in 100M-500M tier
245
Net Charge-Off Rate
risk
Value: 0.16%
Peer Median: -
#245 of 1069 Top 22.8% in 100M-500M tier
254
Net Worth Ratio
risk
Value: 13.79%
Peer Median: -
#254 of 1069 Top 23.7% in 100M-500M tier

Top Weaknesses (1 metrics)

936
Net Interest Margin (NIM)
profitability
Value: 2.85%
Peer Median: -
#936 of 1069 Bottom 12.5% in 100M-500M tier
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