BlastPoint's Credit Union Scorecard
MORNING STAR
Charter #14610 · OK
<100M
2508 CUs in <100M nationally
26 in OK
MORNING STAR has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.40% above tier average
- + Deposit Growth Rate: Top 5.4% in tier
- + Asset Growth Rate: Top 5.5% in tier
- + AMR Growth Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 4.81% above tier average
- - Member decline: -2.7% YoY
- - Net Worth Ratio: Bottom 1.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.3% in tier
- - Fee Income Per Member: Bottom 4.7% in tier
- - Total Assets: Bottom 5.9% in tier
- - Average Member Relationship (AMR): Bottom 6.1% in tier
- - Total Deposits: Bottom 7.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
394
-2.7% YoY+1.8% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
27,625
+2.9% YoY
|
33,913
+5.7% YoY
|
Bottom 10.7% in tier |
| Assets |
$1.1M
+11.6% YoY+9.2% QoQ
|
$-29.1M |
$30.2M
+1.3% YoY
|
$413.6M
+5.6% YoY
|
$578.3M
+9.0% YoY
|
Bottom 5.9% in tier |
| Loans |
$490,050
-1.0% YoY+10.8% QoQ
|
$-14.8M |
$15.3M
-2.0% YoY
|
$253.0M
+3.1% YoY
|
$402.4M
+8.7% YoY
|
Bottom 7.5% in tier |
| Deposits |
$1.1M
+12.6% YoY+9.7% QoQ
|
$-24.7M |
$25.8M
+0.7% YoY
|
$348.7M
+5.1% YoY
|
$494.3M
+9.1% YoY
|
Bottom 7.0% in tier |
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| ROA |
0.6%
-63.0% YoY
|
+0.4% |
0.1%
-77.6% YoY
|
0.3%
+194.5% YoY
|
0.4%
-39.2% YoY
|
47% |
| NIM |
2.6%
-23.5% YoY+2.1% QoQ
|
-1.4% |
4.0%
+4.0% YoY
|
3.9%
+1.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 8.9% in tier |
| Efficiency Ratio |
78.5%
+39.1% YoY-21.2% QoQ
|
-12.1% |
90.6%
+6.5% YoY
|
85.0%
-0.4% YoY
|
84.6%
+2.8% YoY
|
42% |
| Delinquency Rate |
6.3%
+70.0% YoY-14.2% QoQ
|
+4.8 |
1.5%
+3.8% YoY
|
1.0%
-16.7% YoY
|
1.2%
+3.4% YoY
|
Bottom 4.3% in tier |
| Loan To Share |
46.6%
-12.1% YoY+1.0% QoQ
|
-11.9% |
58.5%
-3.0% YoY
|
68.5%
-1.8% YoY
|
65.6%
-1.4% YoY
|
31% |
| AMR |
$3,914
+10.9% YoY+8.1% QoQ
|
$-11K |
$14,884
-1.7% YoY
|
$18,267
+3.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 6.1% in tier |
| CD Concentration |
1.7%
-74.3% YoY-8.0% QoQ
|
-22.6% | 24.3% | 22.8% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 14.5% | 7.7% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
137
Deposit Growth Rate
growth
Value:
12.64%
Peer Median: 0.66%
#137 of 2508
Top 5.4% in <100M tier
140
Asset Growth Rate
growth
Value:
11.56%
Peer Median: 1.30%
#140 of 2508
Top 5.5% in <100M tier
205
AMR Growth Rate
growth
Value:
10.91%
Peer Median: 1.27%
#205 of 2508
Top 8.1% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (11 metrics)
2481
Net Worth Ratio
risk
Value:
6.13%
Peer Median: 14.28%
#2481 of 2508
Bottom 1.1% in <100M tier
2402
Total Delinquency Rate (60+ days)
risk
Value:
6.31%
Peer Median: 0.65%
#2402 of 2508
Bottom 4.3% in <100M tier
2390
Fee Income Per Member
profitability
Value:
$0.00
Peer Median: $60.42
#2390 of 2508
Bottom 4.7% in <100M tier
2360
Total Assets
balance_sheet
Value:
$1.12M
Peer Median: $21.86M
#2360 of 2508
Bottom 5.9% in <100M tier
2355
Average Member Relationship (AMR)
engagement
Value:
$3,914
Peer Median: $13,926
#2355 of 2508
Bottom 6.1% in <100M tier
2332
Total Deposits
balance_sheet
Value:
$1.05M
Peer Median: $18.77M
#2332 of 2508
Bottom 7.1% in <100M tier
2322
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,244
Peer Median: $4,923
#2322 of 2508
Bottom 7.5% in <100M tier
2321
Total Loans
balance_sheet
Value:
$490,050
Peer Median: $9.48M
#2321 of 2508
Bottom 7.5% in <100M tier
2286
Net Interest Margin (NIM)
profitability
Value:
2.57%
Peer Median: 3.83%
#2286 of 2508
Bottom 8.9% in <100M tier
2239
Total Members
engagement
Value:
394
Peer Median: 1,918
#2239 of 2508
Bottom 10.8% in <100M tier