BlastPoint's Credit Union Scorecard
MORNING STAR
Charter #14610 · OK
MORNING STAR has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.04% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.19% above tier average
- - Net Worth Ratio: Bottom 2.0% in tier
- - Average Member Relationship (AMR): Bottom 5.6% in tier
- - Total Assets: Bottom 5.6% in tier
- - Total Deposits: Bottom 6.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.2% in tier
- - Total Loans: Bottom 7.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
403
-1.5% YoY+0.2% QoQ
|
-2.2K |
2,625
-2.2% YoY
|
27,533
+2.7% YoY
|
33,089
+6.1% YoY
|
Bottom 11.2% in tier |
| Assets |
$1.0M
+3.9% YoY+3.7% QoQ
|
$-28.8M |
$29.9M
+1.1% YoY
|
$405.5M
+5.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 5.6% in tier |
| Loans |
$502,349
+9.7% YoY-10.0% QoQ
|
$-15.3M |
$15.8M
-2.4% YoY
|
$252.8M
+1.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 7.6% in tier |
| Deposits |
$934,204
+4.3% YoY+4.3% QoQ
|
$-24.5M |
$25.5M
+0.4% YoY
|
$336.4M
+4.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 6.9% in tier |
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| ROA |
0.7%
-9.5% YoY-55.2% QoQ
|
+0.0% |
0.7%
-731.4% YoY
|
0.6%
+31.7% YoY
|
0.7%
+273.4% YoY
|
48% |
| NIM |
3.0%
-4.7% YoY-15.0% QoQ
|
-0.9% |
3.9%
+3.8% YoY
|
3.9%
+3.8% YoY
|
3.7%
+5.0% YoY
|
18% |
| Efficiency Ratio |
76.6%
+2.3% YoY+37.1% QoQ
|
-4.8% |
81.4%
-2.4% YoY
|
79.2%
-1.1% YoY
|
79.1%
-3.3% YoY
|
46% |
| Delinquency Rate |
3.7%
+600.8% YoY-26.6% QoQ
|
+2.2 |
1.5%
-2.0% YoY
|
1.1%
-4.2% YoY
|
1.2%
-0.9% YoY
|
Top 9.1% in tier |
| Loan To Share |
53.8%
+5.2% YoY-13.8% QoQ
|
-7.5% |
61.2%
-3.0% YoY
|
71.1%
-2.1% YoY
|
68.0%
-1.7% YoY
|
38% |
| AMR |
$3,565
+7.7% YoY-1.4% QoQ
|
$-11K |
$14,627
-2.7% YoY
|
$17,893
+3.6% YoY
|
$19,418
+1.3% YoY
|
Bottom 5.5% in tier |
| CD Concentration |
1.9%
-72.3% YoY-3.3% QoQ
|
-22.5% |
24.4%
+4.2% YoY
|
23.2%
+1.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
15.2%
-17.2% YoY
|
7.9%
-2.9% YoY
|
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)