BlastPoint's Credit Union Scorecard
MORNING STAR
Charter #14610 · OK
2556 CUs in <100M nationally
27 in OK
MORNING STAR has 3 strengths but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.61% below tier average
- - Efficiency ratio 17.10% above tier (higher cost structure)
- - Delinquency rate 5.80% above tier average
- - Member decline: -5.6% YoY
- - Net Worth Ratio: Bottom 1.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.1% in tier
- - Average Member Relationship (AMR): Bottom 5.4% in tier
- - Total Assets: Bottom 5.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.2% in tier
- - Total Loans: Bottom 6.8% in tier
- - Total Deposits: Bottom 6.9% in tier
- - Net Interest Margin (NIM): Bottom 8.1% in tier
- - Fee Income Per Member: Bottom 9.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
387
-5.6% YoY-4.0% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
27,482
+2.5% YoY
|
33,374
+5.7% YoY
|
Bottom 10.4% in tier |
| Assets |
$1.0M
+4.3% YoY+2.0% QoQ
|
$-29.1M |
$30.1M
+2.1% YoY
|
$405.9M
+5.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 5.6% in tier |
| Loans |
$442,142
-2.5% YoY-12.0% QoQ
|
$-15.3M |
$15.8M
-1.3% YoY
|
$252.1M
+2.0% YoY
|
$397.0M
+8.8% YoY
|
Bottom 6.8% in tier |
| Deposits |
$958,866
+4.6% YoY+2.6% QoQ
|
$-24.7M |
$25.7M
+1.4% YoY
|
$340.9M
+4.8% YoY
|
$477.3M
+9.7% YoY
|
Bottom 6.8% in tier |
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| ROA |
0.0%
-9.1% YoY-98.8% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.5%
+4.6% YoY
|
0.7%
+15.9% YoY
|
17% |
| NIM |
2.5%
-4.0% YoY-16.5% QoQ
|
-1.4% |
4.0%
+4.0% YoY
|
3.9%
+3.6% YoY
|
3.8%
+5.1% YoY
|
Bottom 8.0% in tier |
| Efficiency Ratio |
99.7%
+0.0% YoY+30.1% QoQ
|
+17.1% |
82.6%
-2.3% YoY
|
81.1%
+0.6% YoY
|
79.7%
-3.3% YoY
|
Top 11.3% in tier |
| Delinquency Rate |
7.4%
+189.8% YoY+98.7% QoQ
|
+5.8 |
1.6%
-3.1% YoY
|
1.2%
+8.0% YoY
|
1.3%
-2.1% YoY
|
Top 3.1% in tier |
| Loan To Share |
46.1%
-6.8% YoY-14.2% QoQ
|
-14.5% |
60.6%
-3.1% YoY
|
70.1%
-2.3% YoY
|
67.4%
-1.7% YoY
|
28% |
| AMR |
$3,620
+8.3% YoY+1.6% QoQ
|
$-11K |
$14,783
-1.4% YoY
|
$18,047
+3.6% YoY
|
$19,687
+2.0% YoY
|
Bottom 5.4% in tier |
| CD Concentration |
1.8%
-72.3% YoY-1.7% QoQ
|
-22.6% | 24.4% | 23.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 14.8% | 7.8% | 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 (4 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
336
AMR Growth Rate
growth
Value:
8.35%
Peer Median: -
#336 of 2556
Top 13.1% in <100M tier
Top Weaknesses (14 metrics)
2530
Net Worth Ratio
risk
Value:
6.55%
Peer Median: -
#2530 of 2556
Bottom 1.1% in <100M tier
2478
Total Delinquency Rate (60+ days)
risk
Value:
7.36%
Peer Median: -
#2478 of 2556
Bottom 3.1% in <100M tier
2418
Average Member Relationship (AMR)
engagement
Value:
$3,620
Peer Median: -
#2418 of 2556
Bottom 5.4% in <100M tier
2412
Total Assets
balance_sheet
Value:
$1.03M
Peer Median: -
#2412 of 2556
Bottom 5.7% in <100M tier
2398
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,142
Peer Median: -
#2398 of 2556
Bottom 6.2% in <100M tier
2382
Total Loans
balance_sheet
Value:
$442,142
Peer Median: -
#2382 of 2556
Bottom 6.8% in <100M tier
2381
Total Deposits
balance_sheet
Value:
$958,866
Peer Median: -
#2381 of 2556
Bottom 6.9% in <100M tier
2351
Net Interest Margin (NIM)
profitability
Value:
2.51%
Peer Median: -
#2351 of 2556
Bottom 8.1% in <100M tier
2326
Fee Income Per Member
profitability
Value:
$1.99
Peer Median: -
#2326 of 2556
Bottom 9.0% in <100M tier
2289
Total Members
engagement
Value:
387
Peer Median: -
#2289 of 2556
Bottom 10.5% in <100M tier