BlastPoint's Credit Union Scorecard
MORNING STAR
Charter #14610 · OK
MORNING STAR has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.12% above tier average
- + Deposit Growth Rate: Top 2.4% in tier
- + Asset Growth Rate: Top 2.7% in tier
- + Efficiency Ratio: Top 6.1% in tier
- + AMR Growth Rate: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.98% below tier average
- - Net Worth Ratio: Bottom 0.9% in tier
- - Fee Income Per Member: Bottom 3.0% in tier
- - Total Assets: Bottom 5.9% in tier
- - Average Member Relationship (AMR): Bottom 6.1% in tier
- - Total Deposits: Bottom 7.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.0% in tier
- - Total Loans: Bottom 8.2% in tier
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 2,437 credit unions with under $100M in assets nationally, and 1 of 25 that size in Oklahoma.
- Shares and deposits +17.1% year over year ($1.0M in shares and deposits).
- Membership: 402 members, +0.0% vs a year ago.
- Delinquency rate 0.59%.
- Return on assets 0.52%.
- Efficiency ratio 53.01% vs a 88.77% peer average.
- Loan-to-share ratio 52.97% vs a 58.89% 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 |
402
0% YoY+2.0% QoQ
|
-2.2K |
2,585
-1.7% YoY
|
28,343
+3.0% YoY
|
34,678
+6.6% YoY
|
Bottom 11.2% in tier |
| Assets |
$1.1M
+14.7% YoY-0.7% QoQ
|
$-29.2M |
$30.3M
+1.5% YoY
|
$422.2M
+5.5% YoY
|
$593.1M
+10.2% YoY
|
Bottom 5.8% in tier |
| Loans |
$555,612
-0.5% YoY+13.4% QoQ
|
$-14.9M |
$15.5M
-1.7% YoY
|
$261.4M
+3.6% YoY
|
$418.6M
+10.1% YoY
|
Bottom 8.2% in tier |
| Deposits |
$1.0M
+17.1% YoY-0.3% QoQ
|
$-24.8M |
$25.8M
+1.1% YoY
|
$356.1M
+5.9% YoY
|
$504.8M
+10.3% YoY
|
Bottom 6.9% in tier |
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| ROA |
0.5%
-68.2% YoY-6.5% QoQ
|
-1.0% |
1.5%
+241.5% YoY
|
0.8%
+38.1% YoY
|
1.2%
+121.4% YoY
|
32% |
| NIM |
4.0%
+13.6% YoY+56.6% QoQ
|
+0.1% |
3.9%
+0.9% YoY
|
4.0%
+2.7% YoY
|
3.8%
+2.3% YoY
|
57% |
| Efficiency Ratio |
53.0%
-5.1% YoY-32.5% QoQ
|
-35.8% |
88.8%
-6.9% YoY
|
80.0%
+0.4% YoY
|
83.0%
-5.3% YoY
|
Top 6.1% in tier |
| Delinquency Rate |
0.6%
-88.4% YoY-90.7% QoQ
|
-1.0 |
1.5%
+2.1% YoY
|
0.9%
-29.0% YoY
|
1.3%
+2.6% YoY
|
45% |
| Loan To Share |
53.0%
-15.0% YoY+13.7% QoQ
|
-5.9% |
58.9%
-3.1% YoY
|
69.7%
-2.0% YoY
|
66.4%
-1.4% YoY
|
42% |
| AMR |
$3,991
+10.4% YoY+2.0% QoQ
|
$-11K |
$14,963
-6.8% YoY
|
$18,336
+3.3% YoY
|
$20,028
-0.9% YoY
|
Bottom 6.1% in tier |
| CD Concentration |
1.8%
-9.0% YoY+4.0% QoQ
|
-22.8% | 24.6% | 22.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 14.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)